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 | |