Columbus, OH · Charter 96770
NCUA · 1 branch
Q2 2025
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.46% | 3.04% | 3.14% | 0.61% | 0.46% | -300 bps | |
| Return on Equity | 11.37% | 10.30% | 9.62% | 1.95% | 1.35% | -1,002 bps | |
| Net Interest Margin | 4.80% | 4.35% | 4.56% | 3.69% | 3.41% | -138 bps | |
| Efficiency Ratio | 27.16% | 29.31% | 30.83% | 39.43% | 61.91% | +3,475 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.21% | -1.36% | -10.67% | -7.20% | -5.01% | +920 bps | |
| Loan Growth (YoY) | 27.49% | 3.05% | -6.12% | -15.65% | -26.52% | -5,401 bps | |
| Share Growth (YoY) | -23.65% | -5.90% | -18.29% | -12.79% | -7.59% | +1,606 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 4.89% | 5.29% | +529 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.02% | 1.13% | 1.24% | 1.82% | 1.96% | +95 bps | |
| Capital | |||||||
| Risk-Based Capital | 30.42% | 29.49% | 32.60% | 31.30% | 33.65% | +323 bps | |
| Net Worth / Assets | 30.42% | 29.49% | 32.60% | 31.30% | 33.65% | +323 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 139.03% | 114.84% | 118.06% | 107.52% | 110.56% | -2,848 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |