Springfield, OH · Charter 97104
NCUA · 5 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 (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
73
Asset Quality
17
Profitability
48
Liquidity
73
Efficiency
65
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.
Springfield, OH · Charter 97104
NCUA · 5 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 | 0.51% | 0.50% | 0.46% | 0.37% | 0.91% | +40 bps | |
| Return on Equity | 3.21% | 3.19% | 2.90% | 2.31% | 5.69% | +248 bps | |
| Net Interest Margin | 3.46% | 3.48% | 3.53% | 3.49% | 3.57% | +11 bps | |
| Efficiency Ratio | 72.46% | 74.34% | 75.11% | 80.10% | 72.92% | +46 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.05% | 4.63% | 4.24% | 1.88% | 1.47% | +43 bps | |
| Loan Growth (YoY) | -6.06% | -4.89% | -5.79% | -5.44% | -2.13% | +394 bps | |
| Share Growth (YoY) | 5.46% | 3.26% | 4.44% | 2.47% | 0.55% | -491 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.77% | 1.78% | 2.02% | 1.84% | 1.70% | -7 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.95% | 15.76% | 15.91% | 15.88% | 16.08% | +13 bps | |
| Net Worth / Assets | 15.95% | 15.76% | 15.91% | 15.88% | 16.08% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.68% | 77.75% | 75.08% | 73.70% | 75.62% | -206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, OH · Charter 97104 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.91%
Rank 665 of 1,683
Net Interest Margin
3.57%
Rank 1,068 of 1,683
Efficiency Ratio
72.92%
Rank 587 of 1,682
Equity / Assets
16.08%
Rank 456 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 0.35% | 0.74% | 1.18% | Beats 60% | 665 / 1,683 | |
| Return on Equity | 5.69% | 2.67% | 5.89% | 8.74% | Beats 48% | 876 / 1,681 | |
| Net Interest Margin | 3.57% | 3.31% | 3.82% | 4.32% | Beats 37% | 1,068 / 1,683 | |
| Efficiency Ratio | 72.92% | 68.91% | 78.20% | 86.93% | Beats 65% | 587 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.70% | 0.26% | 0.65% | 1.29% | Beats 17% | 1,389 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.08% | 10.44% | 12.89% | 16.53% | Beats 73% | 456 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.08% | 10.44% | 12.89% | 16.53% | Beats 73% | 456 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.62% | 52.61% | 69.38% | 83.50% | 61st pctl | 660 / 1,683 | |
| Loans / Assets | 57.14% | 44.71% | 59.18% | 70.72% | 46th pctl | 911 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||