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 | |