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 | |