PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Steel Valley

Cleveland, OH · Charter 17555

NCUA · 1 branch

Q2 2026

$22.3MAssets
$10.0MLoans
$20.1MShares
$2.1MNet 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 -0.51%, down 57 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 5.13% of loans (+322 bps YoY).
  • Capital: net worth / assets of 9.54%, down 57 bps from a year ago.
  • Funding: loans stand at 49.84% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.51%-57 bps YoY

Net Interest Margin (YTD, annualized)

4.21%-37 bps YoY

Efficiency Ratio (YTD, annualized)

113.96%+1,474 bps YoY

Net Worth / Assets

9.54%-57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.09%-0.17%-0.07%-0.51%-57 bps
Return on Equity0.66%0.82%-1.72%-0.73%-5.30%-596 bps
Net Interest Margin4.57%4.64%4.47%4.09%4.21%-37 bps
Efficiency Ratio99.22%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 / Loans1.91%1.86%1.40%2.94%5.13%+322 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.12%10.43%9.87%9.66%9.54%-57 bps
Net Worth / Assets10.12%10.43%9.87%9.66%9.54%-57 bps
Liquidity & Funding
Loans / Shares56.58%56.27%53.12%50.44%49.84%-674 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps