Cincinnati, OH · Charter 97079
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
81
Asset Quality
42
Profitability
44
Liquidity
89
Efficiency
38
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 97079
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 | 0.94% | 0.91% | 1.00% | 0.96% | 1.15% | 1.04% | 0.80% | 1.02% | +6 bps | |
| Return on Equity | 5.44% | 5.26% | 5.96% | 5.62% | 6.52% | 5.89% | 4.48% | 5.63% | 0 bps | |
| Net Interest Margin | 4.13% | 4.06% | 3.71% | 3.82% | 4.04% | 4.01% | 3.68% | 3.76% | -6 bps | |
| Efficiency Ratio | 71.80% | 72.14% | 80.70% | 79.86% | 77.04% | 76.45% | 80.55% | 80.34% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.81% | -2.40% | 0.37% | 3.11% | 3.20% | 2.74% | -1.07% | -0.47% | -358 bps | |
| Loan Growth (YoY) | -5.90% | -4.97% | -4.30% | -4.60% | -0.78% | 0.27% | -1.60% | -0.73% | +386 bps | |
| Share Growth (YoY) | -6.70% | -3.30% | 0.00% | 2.85% | 2.37% | 2.12% | -2.39% | -1.67% | -452 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.49% | 0.32% | 0.10% | 0.65% | 0.41% | 1.54% | 1.44% | +134 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.30% | 17.26% | 16.71% | 17.09% | 17.69% | 17.70% | 17.74% | 18.10% | +101 bps | |
| Net Worth / Assets | 17.30% | 17.26% | 16.71% | 17.09% | 17.69% | 17.70% | 17.74% | 18.10% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.64% | 69.43% | 64.91% | 64.83% | 68.47% | 68.17% | 65.44% | 65.45% | +62 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 97079 · 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
1.02%
Rank 10 of 26
Net Interest Margin
3.76%
Rank 18 of 26
Efficiency Ratio
80.36%
Rank 17 of 26
Equity / Assets
18.10%
Rank 5 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.02% | 0.41% | 0.79% | 1.34% | Beats 62% | 10 / 26 | ||
| Return on Equity | 5.62% | 3.53% | 6.04% | 8.49% | Beats 38% | 16 / 26 | ||
| Net Interest Margin | 3.76% | 3.25% | 4.11% | 4.64% | Beats 31% | 18 / 26 | ||
| Efficiency Ratio | 80.36% | 71.52% | 75.99% | 84.12% | Beats 38% | 17 / 26 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.44% | 0.40% | 1.09% | 2.09% | Beats 42% | 16 / 26 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.10% | 10.31% | 12.73% | 15.29% | Beats 81% | 5 / 26 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.10% | 10.31% | 12.73% | 15.29% | Beats 81% | 5 / 26 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.45% | 51.92% | 65.22% | 76.21% | 54th pctl | 12 / 26 | ||
| Loans / Assets | 53.03% | 44.32% | 54.77% | 68.75% | 46th pctl | 14 / 26 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||