Dayton, OH · Charter 97113
NCUA · 1 branch
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 | 0.57% | 0.52% | 0.61% | 0.80% | 0.96% | 1.02% | 0.62% | 0.52% | -28 bps | |
| Return on Equity | 4.53% | 4.47% | 5.14% | 6.50% | 7.51% | 7.90% | 4.68% | 3.98% | -252 bps | |
| Net Interest Margin | 3.73% | 3.42% | 3.57% | 3.67% | 3.81% | 3.77% | 3.66% | 3.55% | -11 bps | |
| Efficiency Ratio | 81.05% | 79.06% | 84.45% | 80.24% | 78.08% | 77.58% | 83.18% | 83.56% | +332 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 5.13% | -2.14% | -1.89% | 1.51% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -9.92% | -8.26% | -3.22% | -3.02% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 3.11% | -3.65% | -3.33% | 0.72% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.32% | 0.19% | 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 | 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 | 12.53% | 11.67% | 11.91% | 12.27% | 12.77% | 12.94% | 13.16% | 12.95% | +68 bps | |
| Net Worth / Assets | 12.53% | 11.67% | 11.91% | 12.27% | 12.77% | 12.94% | 13.16% | 12.95% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.74% | 69.47% | 67.78% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |