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Noteworthy

Cleveland, OH · Charter 13559

NCUA · 1 branch

Q1 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: Q1 2026, the quarter ended March 31, 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=41). 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

0

Q2 2024Q1 2026peer median (50)

Asset Quality

22

Q2 2024Q1 2026peer median (50)

Profitability

2

Q2 2024Q1 2026peer median (50)

Liquidity

67

Q2 2024Q1 2026peer median

Efficiency

2

Q2 2024Q1 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

Noteworthy

Cleveland, OH · Charter 13559

NCUA · 1 branch

Q1 2026

$5.4MAssets
$3.4MLoans
$5.4MShares
$12KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (YTD, annualized)

-2.32%-248 bps YoY

Net Interest Margin (YTD, annualized)

2.09%-600 bps YoY

Efficiency Ratio (YTD, annualized)

204%+12,182 bps YoY

Net Worth / Assets

0.23%-1,089 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Return on Assets0.16%-0.91%-1.51%-8.43%-2.32%-248 bps
Net Interest Margin8.10%5.00%5.95%5.22%2.09%-600 bps
Asset Growth (YoY)-1.32%22.02%17.33%20.97%32.74%+3,406 bps
Share Growth (YoY)-0.73%8.18%31.72%35.96%47.63%+4,836 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital11.12%8.26%8.69%0.92%0.23%-1,089 bps
Loans / Shares93.37%90.30%84.00%77.00%62.48%-3,089 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

Noteworthy

Cleveland, OH · Charter 13559 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=41)

NCUA · 1 branch

Q1 2026

$5.4MAssets
$3.4MLoans
$5.4MShares
$12KNet Worth

Return on Assets

-2.35%

Rank 41 of 41

Net Interest Margin

2.06%

Rank 39 of 41

Efficiency Ratio

207%

Rank 41 of 41

Equity / Assets

0.22%

Rank 41 of 41

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets-2.35%0.11%0.47%0.78%Beats 0%41 / 41
Net Interest Margin2.06%3.25%3.69%3.99%Beats 5%39 / 41
Nonperforming Loans / Loans1.79%0.23%0.71%1.72%Beats 22%33 / 41
Tier 1 Capital Ratio0.23%9.80%12.73%19.14%Beats 0%41 / 41
Equity / Assets0.22%9.80%12.73%19.14%Beats 0%41 / 41
Loans / Assets61.55%38.29%46.68%61.41%76th pctl10 / 41