Cleveland, OH · Charter 17555
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.03% | 0.20% | 0.07% | 0.09% | -0.17% | -0.07% | -0.51% | -57 bps | |
| Return on Equity | 3.39% | 0.34% | 1.96% | 0.66% | 0.82% | -1.72% | -0.73% | -5.30% | -596 bps | |
| Net Interest Margin | 4.92% | 4.90% | 4.54% | 4.57% | 4.64% | 4.47% | 4.09% | 4.21% | -37 bps | |
| Efficiency Ratio | 86.51% | 87.65% | 100.23% | 99.22% | 96.20% | 98.89% | 112.07% | 113.96% | +1,474 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.83% | -4.87% | -2.91% | -2.75% | -3.24% | -0.61% | -0.37% | 0.16% | +291 bps | |
| Loan Growth (YoY) | -3.67% | -7.72% | -7.06% | -8.47% | -9.29% | -10.97% | -11.69% | -10.69% | -222 bps | |
| Share Growth (YoY) | -6.95% | -5.45% | -3.48% | -2.85% | -3.10% | -0.18% | 0.06% | 1.39% | +424 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.08% | 1.93% | 1.91% | 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 | 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 | 10.37% | 10.08% | 9.95% | 10.12% | 10.43% | 9.87% | 9.66% | 9.54% | -57 bps | |
| Net Worth / Assets | 10.37% | 10.08% | 9.95% | 10.12% | 10.43% | 9.87% | 9.66% | 9.54% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.11% | 59.55% | 57.15% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |