Painesville, OH · Charter 13115
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 | 1.00% | 2.26% | 1.12% | 0.89% | 0.87% | -12 bps | |
| Return on Equity | 4.88% | 11.03% | 5.34% | 4.30% | 4.24% | -64 bps | |
| Net Interest Margin | 2.83% | 2.88% | 2.94% | 2.77% | 2.75% | -9 bps | |
| Efficiency Ratio | 59.81% | 6.43% | 59.07% | 63.03% | 66.44% | +663 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.96% | 1.73% | 5.06% | 4.09% | 3.34% | +238 bps | |
| Loan Growth (YoY) | -3.62% | -9.07% | -6.30% | -8.92% | -9.62% | -600 bps | |
| Share Growth (YoY) | 0.72% | 1.00% | 4.80% | 3.63% | 2.64% | +192 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.68% | 0.92% | 1.01% | 0.47% | 0.42% | -26 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 | 20.43% | 20.50% | 20.93% | 20.61% | 20.60% | +17 bps | |
| Net Worth / Assets | 20.43% | 20.50% | 20.93% | 20.61% | 20.60% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.37% | 50.06% | 50.05% | 46.42% | 46.12% | -626 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |