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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |