Conneaut, OH · Charter 12351
NCUA · 2 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 | 0.64% | 0.51% | 0.63% | 0.75% | 0.85% | 0.83% | -0.21% | 0.13% | -62 bps | |
| Return on Equity | 5.27% | 4.27% | 5.25% | 6.09% | 6.70% | 6.45% | -1.69% | 1.02% | -507 bps | |
| Net Interest Margin | 4.25% | 4.29% | 4.44% | 4.52% | 4.59% | 4.64% | 4.47% | 4.65% | +13 bps | |
| Efficiency Ratio | 89.94% | 90.41% | 89.94% | 88.25% | 87.01% | 87.61% | 99.52% | 96.21% | +796 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.74% | 4.08% | 1.66% | 1.60% | -0.53% | -2.18% | -1.87% | -0.87% | -247 bps | |
| Loan Growth (YoY) | -7.46% | -9.17% | -7.77% | -2.71% | -2.41% | -2.27% | -0.94% | -3.55% | -84 bps | |
| Share Growth (YoY) | -2.01% | 4.44% | 0.37% | 0.63% | -1.16% | -3.40% | -1.82% | -1.40% | -203 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.97% | 2.67% | 2.70% | 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 | 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 | 12.08% | 11.87% | 12.01% | 12.39% | 12.74% | 12.83% | 12.73% | 12.89% | +50 bps | |
| Net Worth / Assets | 12.08% | 11.87% | 12.01% | 12.39% | 12.74% | 12.83% | 12.73% | 12.89% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.06% | 50.96% | 50.57% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |