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 | |