Miamisburg, OH · Charter 97109
NCUA · 7 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 | 0.83% | 0.89% | 0.96% | 0.90% | 0.90% | +7 bps | |
| Return on Equity | 7.41% | 7.77% | 8.15% | 7.53% | 7.49% | +9 bps | |
| Net Interest Margin | 3.22% | 3.35% | 3.40% | 3.45% | 3.48% | +26 bps | |
| Efficiency Ratio | 73.26% | 72.30% | 71.27% | 72.34% | 71.90% | -136 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.20% | 3.99% | 2.90% | 1.78% | 1.38% | -382 bps | |
| Loan Growth (YoY) | 3.59% | 3.23% | 2.07% | 1.49% | 3.88% | +29 bps | |
| Share Growth (YoY) | 7.00% | 3.89% | 2.35% | 1.30% | 1.68% | -532 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.60% | 0.49% | 0.43% | 0.48% | +3 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 | 11.18% | 11.51% | 11.80% | 11.90% | 12.01% | +83 bps | |
| Net Worth / Assets | 11.18% | 11.51% | 11.80% | 11.90% | 12.01% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.85% | 89.28% | 89.86% | 88.37% | 89.75% | +190 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |