Dayton, OH · Charter 97105
NCUA · 3 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
11
Asset Quality
40
Profitability
32
Liquidity
0
Efficiency
39
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.
Dayton, OH · Charter 97105
NCUA · 3 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 | 0.18% | 0.32% | 0.22% | 2.63% | 1.92% | 1.53% | 0.29% | 0.35% | -228 bps | |
| Return on Equity | 2.02% | 3.72% | 2.54% | 31.56% | 22.15% | 17.66% | 3.28% | 3.89% | -2,767 bps | |
| Net Interest Margin | 2.95% | 2.97% | 3.24% | 3.15% | 3.28% | 3.40% | 3.44% | 3.55% | +41 bps | |
| Efficiency Ratio | 93.50% | 88.38% | 86.33% | 54.37% | 61.19% | 64.35% | 84.93% | 81.71% | +2,734 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.77% | 1.68% | -1.53% | 10.04% | 13.83% | 11.41% | 11.00% | 0.30% | -974 bps | |
| Loan Growth (YoY) | 2.30% | 6.76% | 4.43% | 14.30% | 15.14% | 10.32% | 7.83% | 0.02% | -1,428 bps | |
| Share Growth (YoY) | 2.02% | 1.34% | -2.29% | 7.17% | 8.31% | 7.11% | 9.11% | 0.18% | -699 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.65% | 0.58% | 0.52% | 0.46% | 0.66% | 0.76% | 0.87% | +35 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 | 8.71% | 8.61% | 8.66% | 8.35% | 8.68% | 8.68% | 8.78% | 9.02% | +67 bps | |
| Net Worth / Assets | 8.71% | 8.61% | 8.66% | 8.35% | 8.68% | 8.68% | 8.78% | 9.02% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.40% | 88.84% | 89.54% | 92.17% | 95.04% | 91.50% | 88.49% | 92.03% | -15 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dayton, OH · Charter 97105 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.35%
Rank 1,267 of 1,683
Net Interest Margin
3.55%
Rank 1,082 of 1,683
Efficiency Ratio
81.73%
Rank 1,020 of 1,682
Equity / Assets
9.02%
Rank 1,503 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.35% | 0.35% | 0.74% | 1.18% | Beats 25% | 1,267 / 1,683 | ||
| Return on Equity | 3.88% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,110 / 1,681 | ||
| Net Interest Margin | 3.55% | 3.31% | 3.82% | 4.32% | Beats 36% | 1,082 / 1,683 | ||
| Efficiency Ratio | 81.73% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,020 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.87% | 0.26% | 0.65% | 1.29% | Beats 40% | 1,018 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.02% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,503 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.02% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,503 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.03% | 52.61% | 69.38% | 83.50% | 90th pctl | 173 / 1,683 | ||
| Loans / Assets | 82.24% | 44.71% | 59.18% | 70.72% | 94th pctl | 95 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||