Cincinnati, OH · Charter 96799
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | -0.06% | -0.22% | 0.01% | -0.02% | -7 bps | |
| Return on Equity | 0.39% | -0.48% | -1.69% | 0.08% | -0.17% | -56 bps | |
| Net Interest Margin | 4.36% | 4.62% | 4.79% | 4.72% | 4.91% | +55 bps | |
| Efficiency Ratio | 99.09% | 98.72% | 101.97% | 99.83% | 100.37% | +129 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.63% | -3.81% | -0.72% | -1.62% | -6.81% | -318 bps | |
| Loan Growth (YoY) | -9.55% | -1.61% | 2.84% | -4.15% | -9.88% | -34 bps | |
| Share Growth (YoY) | -3.73% | -2.28% | 0.86% | -0.86% | -6.75% | -302 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.96% | 1.03% | 1.07% | 1.15% | 1.21% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.55% | 12.81% | 12.75% | 12.52% | 13.21% | +66 bps | |
| Net Worth / Assets | 12.55% | 12.81% | 12.75% | 12.52% | 13.21% | +66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |