Vandalia, OH · Charter 97111
NCUA · 4 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
4
Asset Quality
22
Profitability
82
Liquidity
8
Efficiency
81
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.
Vandalia, OH · Charter 97111
NCUA · 4 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 | 0.98% | 0.87% | 2.91% | 1.76% | 1.52% | 1.27% | 0.96% | 1.16% | -60 bps | |
| Return on Equity | 13.07% | 12.08% | 37.38% | 23.05% | 19.44% | 16.14% | 12.12% | 14.40% | -865 bps | |
| Net Interest Margin | 3.72% | 3.54% | 3.75% | 3.76% | 3.84% | 3.93% | 4.30% | 4.29% | +53 bps | |
| Efficiency Ratio | 71.53% | 72.92% | 55.91% | 66.67% | 68.31% | 70.23% | 68.39% | 65.89% | -79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.40% | 12.02% | 11.82% | 12.54% | 15.74% | 9.05% | 9.85% | 7.92% | -462 bps | |
| Loan Growth (YoY) | 16.19% | 18.23% | 21.01% | 19.70% | 15.78% | 16.39% | 13.32% | 9.71% | -999 bps | |
| Share Growth (YoY) | 10.47% | 12.77% | 12.89% | 11.73% | 13.74% | 7.56% | 8.37% | 8.29% | -344 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.42% | 0.91% | 0.63% | 1.33% | 1.20% | 1.34% | 1.47% | +84 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 | 7.51% | 7.18% | 7.80% | 7.65% | 7.81% | 7.86% | 7.91% | 8.06% | +41 bps | |
| Net Worth / Assets | 7.51% | 7.18% | 7.80% | 7.65% | 7.81% | 7.86% | 7.91% | 8.06% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.25% | 86.65% | 89.14% | 89.19% | 91.87% | 93.76% | 93.22% | 90.36% | +116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Vandalia, OH · Charter 97111 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.16%
Rank 439 of 1,683
Net Interest Margin
4.29%
Rank 438 of 1,683
Efficiency Ratio
65.89%
Rank 324 of 1,682
Equity / Assets
8.06%
Rank 1,619 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.16% | 0.35% | 0.74% | 1.18% | Beats 74% | 439 / 1,683 | ||
| Return on Equity | 14.40% | 2.67% | 5.89% | 8.74% | Beats 97% | 57 / 1,681 | ||
| Net Interest Margin | 4.29% | 3.31% | 3.82% | 4.32% | Beats 74% | 438 / 1,683 | ||
| Efficiency Ratio | 65.89% | 68.91% | 78.20% | 86.93% | Beats 81% | 324 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.47% | 0.26% | 0.65% | 1.29% | Beats 22% | 1,316 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.06% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,619 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.06% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,619 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.36% | 52.61% | 69.38% | 83.50% | 86th pctl | 228 / 1,683 | ||
| Loans / Assets | 80.53% | 44.71% | 59.18% | 70.72% | 93rd pctl | 124 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||