Findlay, OH · Charter 96756
NCUA · 3 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 | 1.05% | 1.22% | 1.23% | 1.53% | 1.41% | +36 bps | |
| Return on Equity | 8.87% | 9.88% | 10.30% | 12.32% | 11.19% | +231 bps | |
| Net Interest Margin | 4.56% | 4.66% | 4.45% | 4.40% | 4.43% | -13 bps | |
| Efficiency Ratio | 84.06% | 82.38% | 81.82% | 81.39% | 80.97% | -309 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.85% | 7.70% | 13.00% | 5.41% | 5.01% | -384 bps | |
| Loan Growth (YoY) | 6.86% | 10.14% | 10.80% | 8.56% | 2.28% | -457 bps | |
| Share Growth (YoY) | 6.89% | 7.21% | 13.22% | 4.69% | 5.04% | -186 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.88% | 1.58% | 1.36% | 1.00% | 0.66% | -122 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 | 11.82% | 12.30% | 11.95% | 12.39% | 12.64% | +81 bps | |
| Net Worth / Assets | 11.82% | 12.30% | 11.95% | 12.39% | 12.64% | +81 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.42% | 58.74% | 56.43% | 55.48% | 55.92% | -150 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |