Cincinnati, OH · Charter 96799
NCUA · 2 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
54
Asset Quality
8
Profitability
30
Liquidity
9
Efficiency
12
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.
Cincinnati, OH · Charter 96799
NCUA · 2 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 | 1.46% | 0.56% | -0.12% | 0.05% | -0.06% | -0.22% | 0.01% | -0.02% | -7 bps | |
| Return on Equity | 11.30% | 4.32% | -0.98% | 0.39% | -0.48% | -1.69% | 0.08% | -0.17% | -56 bps | |
| Net Interest Margin | 4.69% | 4.81% | 4.26% | 4.36% | 4.62% | 4.79% | 4.72% | 4.91% | +55 bps | |
| Efficiency Ratio | 80.59% | 84.92% | 102.23% | 99.09% | 98.72% | 101.97% | 99.83% | 100.37% | +129 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.26% | -9.19% | -6.49% | -3.63% | -3.81% | -0.72% | -1.62% | -6.81% | -318 bps | |
| Loan Growth (YoY) | -7.84% | -9.42% | -4.32% | -9.55% | -1.61% | 2.84% | -4.15% | -9.88% | -34 bps | |
| Share Growth (YoY) | -8.26% | -12.33% | -7.29% | -3.73% | -2.28% | 0.86% | -0.86% | -6.75% | -302 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.24% | 6.88% | 6.05% | 5.75% | 0.64% | 0.54% | 1.35% | 2.77% | -298 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 | 1.24% | 2.08% | 1.21% | 0.96% | 1.03% | 1.07% | 1.15% | 1.21% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.93% | 12.87% | 12.02% | 12.55% | 12.81% | 12.75% | 12.52% | 13.21% | +66 bps | |
| Net Worth / Assets | 12.93% | 12.87% | 12.02% | 12.55% | 12.81% | 12.75% | 12.52% | 13.21% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.12% | 86.82% | 83.78% | 84.15% | 91.74% | 88.52% | 81.01% | 81.32% | -283 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cincinnati, OH · Charter 96799 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 2 branches
Q2 2026
Return on Assets
0.00%
Rank 24 of 26
Net Interest Margin
4.91%
Rank 5 of 26
Efficiency Ratio
100.00%
Rank 24 of 26
Equity / Assets
13.22%
Rank 12 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.00% | 0.41% | 0.79% | 1.34% | Beats 4% | 24 / 26 | ||
| Return on Equity | 0.00% | 3.53% | 6.04% | 8.49% | Beats 4% | 24 / 26 | ||
| Net Interest Margin | 4.91% | 3.25% | 4.11% | 4.64% | Beats 81% | 5 / 26 | ||
| Efficiency Ratio | 100.00% | 71.52% | 75.99% | 84.12% | Beats 12% | 24 / 26 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.76% | 0.40% | 1.09% | 2.09% | Beats 8% | 25 / 26 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.22% | 10.31% | 12.73% | 15.29% | Beats 54% | 12 / 26 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.22% | 10.31% | 12.73% | 15.29% | Beats 54% | 12 / 26 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.32% | 51.92% | 65.22% | 76.21% | 85th pctl | 4 / 26 | ||
| Loans / Assets | 70.47% | 44.32% | 54.77% | 68.75% | 81st pctl | 5 / 26 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||