Cincinnati, OH · Charter 96722
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |