PackageTrendsPeer
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Treadwell

Dayton, OH · Charter 97105

NCUA · 3 branches

Q2 2026

$134.2MAssets
$110.4MLoans
$119.9MShares
$12.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.35%, down 228 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.87% of loans (+35 bps YoY).
  • Capital: net worth / assets of 9.02%, up 67 bps from a year ago.
  • Funding: loans stand at 92.03% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.35%-228 bps YoY

Net Interest Margin (quarter, annualized)

3.55%+41 bps YoY

Efficiency Ratio (quarter, annualized)

81.71%+2,734 bps YoY

Net Worth / Assets

9.02%+67 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.63%1.92%1.53%0.29%0.35%-228 bps
Return on Equity31.56%22.15%17.66%3.28%3.89%-2,767 bps
Net Interest Margin3.15%3.28%3.40%3.44%3.55%+41 bps
Efficiency Ratio54.37%61.19%64.35%84.93%81.71%+2,734 bps
Growth
Asset Growth (YoY)10.04%13.83%11.41%11.00%0.30%-974 bps
Loan Growth (YoY)14.30%15.14%10.32%7.83%0.02%-1,428 bps
Share Growth (YoY)7.17%8.31%7.11%9.11%0.18%-699 bps
Asset Quality
Delinquent Loans / Loans0.52%0.46%0.66%0.76%0.87%+35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.35%8.68%8.68%8.78%9.02%+67 bps
Net Worth / Assets8.35%8.68%8.68%8.78%9.02%+67 bps
Liquidity & Funding
Loans / Shares92.17%95.04%91.50%88.49%92.03%-15 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps