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Port Conneaut

Conneaut, OH · Charter 12351

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Cleveland, OH area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Cleveland, OH area (n=39). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

21

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Port Conneaut

Conneaut, OH · Charter 12351

NCUA · 2 branches

Q2 2026

$30.7MAssets
$13.6MLoans
$26.2MShares
$4.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.13%, down 62 bps year over year; NIM at 4.65%.
  • Asset quality: problem loans at 2.98% of loans (-14 bps YoY).
  • Capital: net worth / assets of 12.89%, up 50 bps from a year ago.
  • Funding: loans stand at 51.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.13%-62 bps YoY

Net Interest Margin (YTD, annualized)

4.65%+13 bps YoY

Efficiency Ratio (YTD, annualized)

96.21%+796 bps YoY

Net Worth / Assets

12.89%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.85%0.83%-0.21%0.13%-62 bps
Return on Equity6.09%6.70%6.45%-1.69%1.02%-507 bps
Net Interest Margin4.52%4.59%4.64%4.47%4.65%+13 bps
Efficiency Ratio88.25%87.01%87.61%99.52%96.21%+796 bps
Growth
Asset Growth (YoY)1.60%-0.53%-2.18%-1.87%-0.87%-247 bps
Loan Growth (YoY)-2.71%-2.41%-2.27%-0.94%-3.55%-84 bps
Share Growth (YoY)0.63%-1.16%-3.40%-1.82%-1.40%-203 bps
Asset Quality
Delinquent Loans / Loans3.12%3.22%3.59%2.15%2.98%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.39%12.74%12.83%12.73%12.89%+50 bps
Net Worth / Assets12.39%12.74%12.83%12.73%12.89%+50 bps
Liquidity & Funding
Loans / Shares52.97%52.39%51.56%51.03%51.82%-115 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Port Conneaut

Conneaut, OH · Charter 12351 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)

NCUA · 2 branches

Q2 2026

$30.7MAssets
$13.6MLoans
$26.2MShares
$4.0MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 87% of credit unions under $1B in assets in the Cleveland, OH area (rank 5 of 39).
  • Widest gap: nonperforming loans / loans trails 82% of credit unions under $1B in assets in the Cleveland, OH area (rank 33 of 39).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.13%

Rank 30 of 39

Net Interest Margin

4.65%

Rank 5 of 39

Efficiency Ratio

96.21%

Rank 32 of 39

Equity / Assets

12.89%

Rank 20 of 39

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.13%0.13%0.49%0.87%Beats 23%30 / 39
Return on Equity1.01%1.01%4.09%7.61%Beats 23%30 / 39
Net Interest Margin4.65%3.28%3.83%4.18%Beats 87%5 / 39
Efficiency Ratio96.21%76.45%81.64%91.75%Beats 21%32 / 39
Asset Quality
Nonperforming Loans / Loans2.98%0.15%0.61%1.88%Beats 18%33 / 39
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.89%10.00%12.89%19.36%Beats 49%20 / 39
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.89%10.00%12.89%19.36%Beats 49%20 / 39
Liquidity & Funding
Loans / Deposits51.81%45.46%53.28%74.29%41st pctl23 / 39
Loans / Assets44.26%36.24%44.98%63.66%46th pctl21 / 39
Brokered Deposits / Depositsn/aNot reported for this institution