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 | |