Cincinnati, OH · Charter 96722
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
69
Profitability
36
Liquidity
45
Efficiency
27
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Cincinnati, OH · Charter 96722
NCUA · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.88% | 1.83% | 1.78% | 1.99% | 1.56% | -0.99% | 0.62% | -116 bps | |
| Return on Equity | 14.39% | 15.52% | 15.03% | 14.31% | 15.48% | 11.83% | -7.74% | 4.62% | -969 bps | |
| Net Interest Margin | 4.05% | 3.99% | 3.57% | 3.76% | 3.84% | 3.86% | 3.62% | 3.80% | +4 bps | |
| Efficiency Ratio | 66.69% | 63.63% | 59.32% | 59.50% | 58.86% | 65.00% | 124.90% | 84.10% | +2,461 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.42% | 2.06% | 5.58% | 8.11% | 5.17% | 4.00% | 1.59% | -0.10% | -820 bps | |
| Loan Growth (YoY) | -0.71% | -0.96% | -1.66% | 13.74% | 19.07% | 25.83% | 33.22% | 31.73% | +1,799 bps | |
| Share Growth (YoY) | -2.31% | 0.23% | 4.28% | 6.91% | 3.85% | 2.76% | 0.82% | -1.29% | -820 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.77% | 0.73% | 1.04% | 0.96% | 0.49% | 0.31% | 0.46% | -58 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.70% | 12.11% | 12.19% | 12.45% | 12.85% | 13.16% | 12.80% | 13.38% | +93 bps | |
| Net Worth / Assets | 11.70% | 12.11% | 12.19% | 12.45% | 12.85% | 13.16% | 12.80% | 13.38% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.08% | 50.21% | 48.36% | 55.61% | 58.56% | 61.48% | 63.90% | 74.21% | +1,860 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cincinnati, OH · Charter 96722 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 4 branches
Q2 2026
Return on Assets
0.62%
Rank 16 of 26
Net Interest Margin
3.80%
Rank 17 of 26
Efficiency Ratio
84.12%
Rank 20 of 26
Equity / Assets
13.38%
Rank 11 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.62% | 0.41% | 0.79% | 1.34% | Beats 38% | 16 / 26 | ||
| Return on Equity | 4.63% | 3.53% | 6.04% | 8.49% | Beats 35% | 17 / 26 | ||
| Net Interest Margin | 3.80% | 3.25% | 4.11% | 4.64% | Beats 35% | 17 / 26 | ||
| Efficiency Ratio | 84.12% | 71.52% | 75.99% | 84.12% | Beats 27% | 20 / 26 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.40% | 1.09% | 2.09% | Beats 69% | 9 / 26 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.38% | 10.31% | 12.73% | 15.29% | Beats 58% | 11 / 26 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.38% | 10.31% | 12.73% | 15.29% | Beats 58% | 11 / 26 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.21% | 51.92% | 65.22% | 76.21% | 69th pctl | 8 / 26 | ||
| Loans / Assets | 63.92% | 44.32% | 54.77% | 68.75% | 69th pctl | 8 / 26 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||