Mahoning Valley
Youngstown, OH · Charter 14469 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$376KAssets
$138KLoans
$337KShares
$38KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 88% of credit unions under $1B in assets (rank 210 of 1683).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets (rank 1674 of 1681).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-6.91%
Rank 1,674 of 1,683
Net Interest Margin
4.79%
Rank 210 of 1,683
Efficiency Ratio
230%
Rank 1,674 of 1,682
Equity / Assets
10.11%
Rank 1,321 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -6.91% | 0.35% | 0.74% | 1.18% | Beats 1% | 1,674 / 1,683 | | |
| Return on Equity | -68.42% | 2.67% | 5.89% | 8.74% | Beats 0% | 1,674 / 1,681 | | |
| Net Interest Margin | 4.79% | 3.31% | 3.82% | 4.32% | Beats 88% | 210 / 1,683 | | |
| Efficiency Ratio | 230% | 68.91% | 78.20% | 86.93% | Beats 1% | 1,674 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.45% | 0.26% | 0.65% | 1.29% | Beats 22% | 1,309 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.11% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,321 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.11% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,321 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 40.95% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,483 / 1,683 | | |
| Loans / Assets | 36.70% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,429 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |