Dayton, OH · Charter 97113
NCUA · 1 branch
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
51
Asset Quality
72
Profitability
35
Liquidity
90
Efficiency
34
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.
Dayton, OH · Charter 97113
NCUA · 1 branch
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 | 0.80% | 0.96% | 1.02% | 0.62% | 0.52% | -28 bps | |
| Return on Equity | 6.50% | 7.51% | 7.90% | 4.68% | 3.98% | -252 bps | |
| Net Interest Margin | 3.67% | 3.81% | 3.77% | 3.66% | 3.55% | -11 bps | |
| Efficiency Ratio | 80.24% | 78.08% | 77.58% | 83.18% | 83.56% | +332 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | 5.13% | -2.14% | -1.89% | 1.51% | n/a | |
| Loan Growth (YoY) | n/a | -9.92% | -8.26% | -3.22% | -3.02% | n/a | |
| Share Growth (YoY) | n/a | 3.11% | -3.65% | -3.33% | 0.72% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.27% | 0.22% | 0.49% | 0.26% | 0.31% | +4 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 | 12.27% | 12.77% | 12.94% | 13.16% | 12.95% | +68 bps | |
| Net Worth / Assets | 12.27% | 12.77% | 12.94% | 13.16% | 12.95% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.85% | 68.79% | 66.15% | 67.86% | 66.29% | -256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dayton, OH · Charter 97113 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.51%
Rank 1,119 of 1,683
Net Interest Margin
3.56%
Rank 1,081 of 1,683
Efficiency Ratio
83.53%
Rank 1,119 of 1,682
Equity / Assets
12.95%
Rank 831 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.35% | 0.74% | 1.18% | Beats 34% | 1,119 / 1,683 | |
| Return on Equity | 3.98% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,096 / 1,681 | |
| Net Interest Margin | 3.56% | 3.31% | 3.82% | 4.32% | Beats 36% | 1,081 / 1,683 | |
| Efficiency Ratio | 83.53% | 68.91% | 78.20% | 86.93% | Beats 34% | 1,119 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.26% | 0.65% | 1.29% | Beats 72% | 476 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.95% | 10.44% | 12.89% | 16.53% | Beats 51% | 831 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.95% | 10.44% | 12.89% | 16.53% | Beats 51% | 831 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.29% | 52.61% | 69.38% | 83.50% | 44th pctl | 945 / 1,683 | |
| Loans / Assets | 57.43% | 44.71% | 59.18% | 70.72% | 46th pctl | 905 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||