Cincinnati, OH · Charter 96821
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
100
Asset Quality
9
Profitability
26
Liquidity
57
Efficiency
0
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 96821
NCUA · 1 branch
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 | -2.88% | -4.47% | -6.58% | -6.33% | -7.09% | -7.74% | -8.37% | -8.59% | -226 bps | |
| Return on Equity | -3.97% | -5.79% | -8.80% | -8.70% | -9.27% | -9.96% | -11.06% | -11.41% | -271 bps | |
| Net Interest Margin | 6.33% | 6.60% | 5.15% | 4.99% | 5.14% | 5.25% | 4.09% | 3.99% | -100 bps | |
| Efficiency Ratio | 143.45% | 158.22% | 225% | 224% | 235% | 244% | 301% | 309% | +8,541 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.84% | -24.66% | -23.08% | -9.74% | -13.85% | -9.66% | -10.57% | -13.27% | -353 bps | |
| Loan Growth (YoY) | -41.37% | -53.62% | -55.43% | -49.98% | -39.88% | -31.53% | -40.00% | -44.94% | +504 bps | |
| Share Growth (YoY) | -45.92% | -56.52% | -50.57% | -13.83% | -27.19% | -12.00% | -14.08% | -25.66% | -1,183 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.26% | 20.19% | 21.62% | 18.95% | 18.55% | 14.45% | 4.11% | 3.00% | -1,595 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 | 1.16% | 3.53% | 4.07% | 4.13% | 4.40% | 2.22% | 2.93% | 3.24% | -89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 72.39% | 77.19% | 74.78% | 72.72% | 76.48% | 77.70% | 75.62% | 75.26% | +254 bps | |
| Net Worth / Assets | 72.39% | 77.19% | 74.78% | 72.72% | 76.48% | 77.70% | 75.62% | 75.26% | +254 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.77% | 110.52% | 86.32% | 75.30% | 89.81% | 85.99% | 60.28% | 55.77% | -1,953 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 96821 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-8.60%
Rank 1,676 of 1,683
Net Interest Margin
4.30%
Rank 431 of 1,683
Efficiency Ratio
300%
Rank 1,679 of 1,682
Equity / Assets
75.27%
Rank 1 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -8.60% | 0.35% | 0.74% | 1.18% | Beats 0% | 1,676 / 1,683 | ||
| Return on Equity | -11.43% | 2.67% | 5.89% | 8.74% | Beats 3% | 1,629 / 1,681 | ||
| Net Interest Margin | 4.30% | 3.31% | 3.82% | 4.32% | Beats 74% | 431 / 1,683 | ||
| Efficiency Ratio | 300% | 68.91% | 78.20% | 86.93% | Beats 0% | 1,679 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.78% | 0.26% | 0.65% | 1.29% | Beats 9% | 1,537 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 75.27% | 10.44% | 12.89% | 16.53% | Beats 100% | 1 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 75.27% | 10.44% | 12.89% | 16.53% | Beats 100% | 1 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.25% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,182 / 1,683 | ||
| Loans / Assets | 12.90% | 44.71% | 59.18% | 70.72% | 1st pctl | 1,661 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||