PackageTrendsPeer
Letter portraitLegal landscape

Solon/Chagrin Falls

Solon, OH · Charter 15451

NCUA · 1 branch

Q2 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: Q2 2026, the quarter ended June 30, 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=39). 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

77

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

79

Q2 2024Q2 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

Solon/Chagrin Falls

Solon, OH · Charter 15451

NCUA · 1 branch

Q2 2026

$9.6MAssets
$3.2MLoans
$7.7MShares
$1.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.80%, down 8 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.04% of loans (+4 bps YoY).
  • Capital: net worth / assets of 19.79%, up 109 bps from a year ago.
  • Funding: loans stand at 41.89% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.80%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+9 bps YoY

Efficiency Ratio (YTD, annualized)

73.20%+362 bps YoY

Net Worth / Assets

19.79%+109 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.93%0.89%0.79%0.80%-8 bps
Return on Equity4.72%4.78%4.59%4.07%4.05%-67 bps
Net Interest Margin2.87%3.01%2.95%2.94%2.96%+9 bps
Efficiency Ratio69.58%69.37%70.01%73.19%73.20%+362 bps
Growth
Asset Growth (YoY)-0.85%-2.32%-0.52%-1.95%-1.37%-52 bps
Loan Growth (YoY)-14.37%-5.46%-4.52%-7.19%0.27%+1,464 bps
Share Growth (YoY)-0.74%-2.62%-1.70%-3.30%-2.66%-192 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.05%0.04%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.53%1.53%1.57%1.62%1.53%0 bps
Capital
Risk-Based Capital18.70%19.44%19.50%19.47%19.79%+109 bps
Net Worth / Assets18.70%19.44%19.50%19.47%19.79%+109 bps
Liquidity & Funding
Loans / Shares40.67%42.34%40.81%39.16%41.89%+122 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 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

Solon/Chagrin Falls

Solon, OH · Charter 15451 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)

NCUA · 1 branch

Q2 2026

$9.6MAssets
$3.2MLoans
$7.7MShares
$1.9MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 87% of credit unions under $1B in assets in the Cleveland, OH area (rank 6 of 39).
  • Widest gap: net interest margin trails 92% of credit unions under $1B in assets in the Cleveland, OH area (rank 36 of 39).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.81%

Rank 12 of 39

Net Interest Margin

2.97%

Rank 36 of 39

Efficiency Ratio

72.92%

Rank 9 of 39

Equity / Assets

19.79%

Rank 9 of 39

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.81%0.13%0.49%0.87%Beats 69%12 / 39
Return on Equity4.09%1.01%4.09%7.61%Beats 49%20 / 39
Net Interest Margin2.97%3.28%3.83%4.18%Beats 8%36 / 39
Efficiency Ratio72.92%76.45%81.64%91.75%Beats 79%9 / 39
Asset Quality
Nonperforming Loans / Loans0.03%0.15%0.61%1.88%Beats 87%6 / 39
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.79%10.00%12.89%19.36%Beats 77%9 / 39
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets19.79%10.00%12.89%19.36%Beats 77%9 / 39
Liquidity & Funding
Loans / Deposits41.89%45.46%53.28%74.29%15th pctl33 / 39
Loans / Assets33.30%36.24%44.98%63.66%15th pctl33 / 39
Brokered Deposits / Depositsn/aNot reported for this institution