Toledo, OH · Charter 16174
NCUA · 3 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 | 0.22% | 0.23% | 0.70% | 0.61% | 0.98% | 1.01% | 0.79% | 0.88% | +27 bps | |
| Return on Equity | 2.07% | 2.20% | 6.82% | 5.96% | 9.17% | 9.27% | 7.19% | 7.79% | +183 bps | |
| Net Interest Margin | 2.52% | 2.54% | 3.06% | 3.05% | 3.16% | 3.25% | 3.21% | 3.40% | +35 bps | |
| Efficiency Ratio | 90.29% | 89.21% | 79.36% | 81.19% | 72.68% | 71.96% | 73.94% | 73.82% | -737 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.16% | -0.11% | 5.90% | 8.60% | 8.87% | 6.16% | 3.80% | 0.49% | -812 bps | |
| Loan Growth (YoY) | 7.83% | 5.96% | 8.07% | 9.13% | 6.44% | 3.96% | 8.01% | 4.97% | -416 bps | |
| Share Growth (YoY) | -2.02% | 0.34% | 6.19% | 9.09% | 8.98% | 5.81% | 3.21% | -0.66% | -974 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.48% | 0.58% | 2.02% | 2.13% | 0.35% | 0.33% | 0.27% | -175 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 | 10.72% | 10.51% | 10.31% | 10.21% | 10.65% | 10.91% | 10.95% | 11.30% | +110 bps | |
| Net Worth / Assets | 10.72% | 10.51% | 10.31% | 10.21% | 10.65% | 10.91% | 10.95% | 11.30% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.02% | 44.75% | 43.12% | 43.54% | 43.97% | 43.97% | 45.13% | 46.01% | +247 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |