Conneaut, OH · Charter 12351
NCUA · 2 branches
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 | 0.75% | 0.85% | 0.83% | -0.21% | 0.13% | -62 bps | |
| Return on Equity | 6.09% | 6.70% | 6.45% | -1.69% | 1.02% | -507 bps | |
| Net Interest Margin | 4.52% | 4.59% | 4.64% | 4.47% | 4.65% | +13 bps | |
| Efficiency Ratio | 88.25% | 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 / Loans | 3.12% | 3.22% | 3.59% | 2.15% | 2.98% | -14 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 | 12.39% | 12.74% | 12.83% | 12.73% | 12.89% | +50 bps | |
| Net Worth / Assets | 12.39% | 12.74% | 12.83% | 12.73% | 12.89% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.97% | 52.39% | 51.56% | 51.03% | 51.82% | -115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |