Cleveland, OH · Charter 17555
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
13
Asset Quality
8
Profitability
29
Liquidity
83
Efficiency
3
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.
Cleveland, OH · Charter 17555
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.09% | -0.17% | -0.07% | -0.51% | -57 bps | |
| Return on Equity | 0.66% | 0.82% | -1.72% | -0.73% | -5.30% | -596 bps | |
| Net Interest Margin | 4.57% | 4.64% | 4.47% | 4.09% | 4.21% | -37 bps | |
| Efficiency Ratio | 99.22% | 96.20% | 98.89% | 112.07% | 113.96% | +1,474 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.75% | -3.24% | -0.61% | -0.37% | 0.16% | +291 bps | |
| Loan Growth (YoY) | -8.47% | -9.29% | -10.97% | -11.69% | -10.69% | -222 bps | |
| Share Growth (YoY) | -2.85% | -3.10% | -0.18% | 0.06% | 1.39% | +424 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.91% | 1.86% | 1.40% | 2.94% | 5.13% | +322 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.12% | 10.43% | 9.87% | 9.66% | 9.54% | -57 bps | |
| Net Worth / Assets | 10.12% | 10.43% | 9.87% | 9.66% | 9.54% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.58% | 56.27% | 53.12% | 50.44% | 49.84% | -674 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cleveland, OH · Charter 17555 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.50%
Rank 36 of 39
Net Interest Margin
4.20%
Rank 9 of 39
Efficiency Ratio
114.07%
Rank 39 of 39
Equity / Assets
9.55%
Rank 34 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.50% | 0.13% | 0.49% | 0.87% | Beats 8% | 36 / 39 | |
| Return on Equity | -5.27% | 1.01% | 4.09% | 7.61% | Beats 3% | 38 / 39 | |
| Net Interest Margin | 4.20% | 3.28% | 3.83% | 4.18% | Beats 77% | 9 / 39 | |
| Efficiency Ratio | 114.07% | 76.45% | 81.64% | 91.75% | Beats 3% | 39 / 39 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.13% | 0.15% | 0.61% | 1.88% | Beats 8% | 37 / 39 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.55% | 10.00% | 12.89% | 19.36% | Beats 13% | 34 / 39 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.55% | 10.00% | 12.89% | 19.36% | Beats 13% | 34 / 39 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.83% | 45.46% | 53.28% | 74.29% | 31st pctl | 27 / 39 | |
| Loans / Assets | 44.98% | 36.24% | 44.98% | 63.66% | 49th pctl | 20 / 39 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||