Fairfield, OH · Charter 96761
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
4
Asset Quality
77
Profitability
54
Liquidity
91
Efficiency
31
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fairfield, OH · Charter 96761
NCUA · 4 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 | 1.39% | 1.08% | 0.62% | 0.84% | 0.78% | -61 bps | |
| Return on Equity | 15.74% | 12.09% | 7.15% | 9.67% | 8.73% | -701 bps | |
| Net Interest Margin | 3.58% | 3.61% | 3.62% | 3.71% | 3.81% | +23 bps | |
| Efficiency Ratio | 74.73% | 78.54% | 85.46% | 81.18% | 82.55% | +782 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.99% | 1.39% | 4.07% | 1.07% | 2.97% | -2 bps | |
| Loan Growth (YoY) | -10.68% | -10.32% | -6.32% | -3.51% | 0.27% | +1,095 bps | |
| Share Growth (YoY) | 3.81% | 5.02% | 5.78% | 2.34% | 2.23% | -158 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.20% | 0.21% | 0.57% | 0.40% | +14 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 | 8.84% | 8.92% | 8.65% | 8.73% | 8.93% | +10 bps | |
| Net Worth / Assets | 8.84% | 8.92% | 8.65% | 8.73% | 8.93% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.65% | 62.39% | 61.58% | 60.58% | 61.45% | -120 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fairfield, OH · Charter 96761 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 4 branches
Q2 2026
Return on Assets
0.78%
Rank 14 of 26
Net Interest Margin
3.81%
Rank 16 of 26
Efficiency Ratio
82.56%
Rank 19 of 26
Equity / Assets
8.93%
Rank 25 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.41% | 0.79% | 1.34% | Beats 46% | 14 / 26 | |
| Return on Equity | 8.73% | 3.53% | 6.04% | 8.49% | Beats 77% | 6 / 26 | |
| Net Interest Margin | 3.81% | 3.25% | 4.11% | 4.64% | Beats 38% | 16 / 26 | |
| Efficiency Ratio | 82.56% | 71.52% | 75.99% | 84.12% | Beats 31% | 19 / 26 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.40% | 0.40% | 1.09% | 2.09% | Beats 77% | 7 / 26 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.93% | 10.31% | 12.73% | 15.29% | Beats 4% | 25 / 26 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.93% | 10.31% | 12.73% | 15.29% | Beats 4% | 25 / 26 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.45% | 51.92% | 65.22% | 76.21% | 46th pctl | 14 / 26 | |
| Loans / Assets | 57.03% | 44.32% | 54.77% | 68.75% | 62nd pctl | 10 / 26 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||