Mansfield, OH · Charter 96796
NCUA · 2 branches
Q1 2026
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 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | 0.19% | 0.01% | 0.34% | 0.69% | 0.97% | 0.22% | -1.81% | -214 bps | |
| Return on Equity | -0.48% | 0.61% | 0.02% | 1.10% | 2.20% | 2.99% | 0.70% | -5.71% | -681 bps | |
| Net Interest Margin | 4.02% | 4.37% | 4.08% | 4.50% | 4.64% | 4.78% | 4.51% | 4.40% | -10 bps | |
| Efficiency Ratio | 82.37% | 82.14% | 81.06% | 90.50% | 83.32% | 80.41% | 83.57% | 101.84% | +1,134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.64% | -9.11% | 0.96% | -1.63% | -4.61% | -2.83% | -10.29% | -3.61% | -198 bps | |
| Loan Growth (YoY) | -12.71% | -13.83% | -5.91% | 0.50% | 2.88% | 3.19% | -0.10% | -2.23% | -274 bps | |
| Share Growth (YoY) | -12.96% | -12.85% | 1.29% | -2.52% | -6.95% | -4.10% | -15.05% | -5.17% | -265 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.65% | 0.97% | 1.94% | 0.34% | 0.89% | 2.11% | 2.23% | 0.60% | +26 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 | 2.59% | 1.69% | 2.07% | 1.52% | 1.56% | 1.41% | 2.38% | 1.70% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.41% | 30.97% | 28.44% | 30.50% | 31.26% | 32.47% | 32.23% | 31.63% | +113 bps | |
| Net Worth / Assets | 29.41% | 30.97% | 28.44% | 30.50% | 31.26% | 32.47% | 32.23% | 31.63% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.09% | 73.35% | 68.95% | 74.94% | 75.28% | 78.92% | 81.08% | 77.25% | +232 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |