Cheshire, OH · Charter 96737
NCUA · 1 branch
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 | 0.61% | 0.55% | 0.64% | 0.87% | 0.97% | 0.86% | 0.78% | 0.70% | -17 bps | |
| Return on Equity | 3.18% | 2.84% | 3.32% | 4.49% | 4.90% | 4.43% | 4.01% | 3.71% | -78 bps | |
| Net Interest Margin | 2.18% | 2.14% | 2.32% | 2.45% | 2.57% | 2.45% | 2.52% | 2.51% | +6 bps | |
| Efficiency Ratio | 72.36% | 74.73% | 72.77% | 64.87% | 62.69% | 64.98% | 66.49% | 67.25% | +238 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.11% | 2.33% | 0.18% | 1.53% | 1.32% | 4.32% | 3.77% | 6.70% | +517 bps | |
| Loan Growth (YoY) | -3.85% | -5.21% | -3.56% | -0.81% | -1.88% | 5.99% | 5.78% | 9.19% | +1,000 bps | |
| Share Growth (YoY) | 5.68% | 2.15% | -0.49% | 0.99% | 0.58% | 4.17% | 3.50% | 7.28% | +628 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.89% | 0.53% | 1.20% | 0.79% | 1.04% | 1.04% | 0.60% | -59 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 | 19.25% | 19.30% | 19.16% | 19.37% | 19.81% | 19.36% | 19.36% | 18.92% | -45 bps | |
| Net Worth / Assets | 19.25% | 19.30% | 19.16% | 19.37% | 19.81% | 19.36% | 19.36% | 18.92% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.15% | 61.38% | 59.43% | 61.73% | 62.58% | 62.45% | 60.74% | 62.83% | +110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |