Solon, OH · Charter 16682
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Cleveland, OH area (n=43). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
79
Profitability
36
Liquidity
85
Efficiency
67
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.
Solon, OH · Charter 16682
NCUA · 1 branch
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.12% | 1.78% | 1.32% | 0.92% | 0.75% | -2.86% | -0.11% | -143 bps | |
| Return on Equity | 4.20% | 4.41% | 6.80% | 4.92% | 3.42% | 2.78% | -10.19% | -0.36% | -528 bps | |
| Net Interest Margin | 3.82% | 4.16% | 5.30% | 5.18% | 5.10% | 5.00% | 4.93% | 5.04% | -14 bps | |
| Efficiency Ratio | 77.13% | 76.48% | 66.77% | 74.41% | 72.47% | 77.05% | 144.29% | 78.13% | +373 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.00% | -7.87% | -11.47% | -9.85% | -10.77% | -3.40% | -8.14% | -10.39% | -54 bps | |
| Loan Growth (YoY) | 8.59% | 9.95% | -9.49% | -11.52% | -14.43% | -22.24% | -21.20% | -23.50% | -1,198 bps | |
| Share Growth (YoY) | -7.30% | -11.44% | -16.31% | -14.43% | -15.44% | -5.63% | -10.73% | -13.17% | +126 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 2.79% | 3.00% | 1.83% | 6.37% | 3.16% | 3.34% | 0.18% | -165 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 | 1.48% | 1.56% | 1.70% | 0.32% | 0.75% | 0.97% | 1.28% | 0.04% | -28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.19% | 25.31% | 26.19% | 26.94% | 27.03% | 26.95% | 28.11% | 29.25% | +231 bps | |
| Net Worth / Assets | 23.19% | 25.31% | 26.19% | 26.94% | 27.03% | 26.95% | 28.11% | 29.25% | +231 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.91% | 72.36% | 72.70% | 70.66% | 64.67% | 59.62% | 64.17% | 62.25% | -840 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Solon, OH · Charter 16682 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=43)
NCUA · 1 branch
Q2 2025
Return on Assets
-0.09%
Rank 39 of 43
Net Interest Margin
5.03%
Rank 4 of 43
Efficiency Ratio
78.07%
Rank 15 of 43
Equity / Assets
29.25%
Rank 3 of 43
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.09% | 0.13% | 0.53% | 0.88% | Beats 9% | 39 / 43 | ||
| Return on Equity | -0.32% | 1.03% | 3.58% | 6.11% | Beats 9% | 39 / 43 | ||
| Net Interest Margin | 5.03% | 3.22% | 3.67% | 4.29% | Beats 91% | 4 / 43 | ||
| Efficiency Ratio | 78.07% | 75.32% | 82.25% | 90.29% | Beats 67% | 15 / 43 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.16% | 0.72% | 1.91% | Beats 79% | 10 / 43 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 29.25% | 9.83% | 12.17% | 18.63% | Beats 93% | 3 / 43 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 29.25% | 9.83% | 12.17% | 18.63% | Beats 93% | 3 / 43 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.25% | 45.10% | 59.61% | 71.41% | 53rd pctl | 20 / 43 | ||
| Loans / Assets | 43.95% | 39.55% | 48.96% | 61.32% | 33rd pctl | 29 / 43 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||