Findlay, OH · Charter 96756
NCUA · 3 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 | 1.51% | 1.52% | 1.14% | 1.05% | 1.22% | 1.23% | 1.53% | 1.41% | +36 bps | |
| Return on Equity | 12.67% | 12.45% | 9.75% | 8.87% | 9.88% | 10.30% | 12.32% | 11.19% | +231 bps | |
| Net Interest Margin | 4.46% | 4.51% | 4.50% | 4.56% | 4.66% | 4.45% | 4.40% | 4.43% | -13 bps | |
| Efficiency Ratio | 79.70% | 79.37% | 83.03% | 84.06% | 82.38% | 81.82% | 81.39% | 80.97% | -309 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.06% | 5.41% | 8.83% | 8.85% | 7.70% | 13.00% | 5.41% | 5.01% | -384 bps | |
| Loan Growth (YoY) | -1.70% | -0.12% | 0.32% | 6.86% | 10.14% | 10.80% | 8.56% | 2.28% | -457 bps | |
| Share Growth (YoY) | 4.21% | 3.75% | 7.75% | 6.89% | 7.21% | 13.22% | 4.69% | 5.04% | -186 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 1.18% | 1.32% | 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 | 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 | 11.94% | 12.18% | 11.70% | 11.82% | 12.30% | 11.95% | 12.39% | 12.64% | +81 bps | |
| Net Worth / Assets | 11.94% | 12.18% | 11.70% | 11.82% | 12.30% | 11.95% | 12.39% | 12.64% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.18% | 57.66% | 53.50% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |