Fairfield, OH · Charter 96761
NCUA · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.39% | 2.21% | 1.39% | 1.08% | 0.62% | 0.84% | 0.78% | -61 bps | |
| Return on Equity | 5.45% | 4.66% | 25.92% | 15.74% | 12.09% | 7.15% | 9.67% | 8.73% | -701 bps | |
| Net Interest Margin | 3.23% | 3.29% | 3.38% | 3.58% | 3.61% | 3.62% | 3.71% | 3.81% | +23 bps | |
| Efficiency Ratio | 90.26% | 90.89% | 65.87% | 74.73% | 78.54% | 85.46% | 81.18% | 82.55% | +782 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.92% | -0.38% | 3.31% | 2.99% | 1.39% | 4.07% | 1.07% | 2.97% | -2 bps | |
| Loan Growth (YoY) | -2.98% | -7.63% | -8.39% | -10.68% | -10.32% | -6.32% | -3.51% | 0.27% | +1,095 bps | |
| Share Growth (YoY) | -3.10% | 1.50% | 2.52% | 3.81% | 5.02% | 5.78% | 2.34% | 2.23% | -158 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.20% | 0.18% | 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 | 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 | 8.17% | 8.33% | 8.52% | 8.84% | 8.92% | 8.65% | 8.73% | 8.93% | +10 bps | |
| Net Worth / Assets | 8.17% | 8.33% | 8.52% | 8.84% | 8.92% | 8.65% | 8.73% | 8.93% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.07% | 69.53% | 64.25% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |