Middletown, OH · Charter 96755
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.77% | 0.82% | 0.71% | 0.50% | +1 bps | |
| Return on Equity | 3.54% | 5.38% | 5.68% | 5.10% | 3.51% | -3 bps | |
| Net Interest Margin | 3.17% | 3.44% | 3.58% | 3.42% | 3.53% | +36 bps | |
| Efficiency Ratio | 90.75% | 84.20% | 81.51% | 81.82% | 81.23% | -952 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.05% | 5.13% | 2.38% | 4.49% | 2.25% | -380 bps | |
| Loan Growth (YoY) | -4.23% | -4.23% | -8.10% | -8.35% | -4.37% | -14 bps | |
| Share Growth (YoY) | 4.71% | 4.10% | 2.77% | -1.62% | -5.36% | -1,007 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.73% | 1.60% | 0.54% | 0.66% | 2.34% | +61 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.73% | 14.27% | 14.50% | 13.95% | 14.20% | +47 bps | |
| Net Worth / Assets | 13.73% | 14.27% | 14.50% | 13.95% | 14.20% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.07% | 62.07% | 60.71% | 60.68% | 62.72% | +65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |