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Greater Cincinnati School

Cincinnati, OH · Charter 96722

NCUA · 4 branches

Q2 2026

$135.1MAssets
$86.3MLoans
$116.3MShares
$18.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.62%, down 116 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.46% of loans (-58 bps YoY).
  • Capital: net worth / assets of 13.38%, up 93 bps from a year ago.
  • Funding: loans stand at 74.21% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.62%-116 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+4 bps YoY

Efficiency Ratio (YTD, annualized)

84.10%+2,461 bps YoY

Net Worth / Assets

13.38%+93 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.88%1.83%1.78%1.99%1.56%-0.99%0.62%-116 bps
Return on Equity14.39%15.52%15.03%14.31%15.48%11.83%-7.74%4.62%-969 bps
Net Interest Margin4.05%3.99%3.57%3.76%3.84%3.86%3.62%3.80%+4 bps
Efficiency Ratio66.69%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 / Loans0.36%0.77%0.73%1.04%0.96%0.49%0.31%0.46%-58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.70%12.11%12.19%12.45%12.85%13.16%12.80%13.38%+93 bps
Net Worth / Assets11.70%12.11%12.19%12.45%12.85%13.16%12.80%13.38%+93 bps
Liquidity & Funding
Loans / Shares51.08%50.21%48.36%55.61%58.56%61.48%63.90%74.21%+1,860 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps