Northwood, OH · Charter 19723
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 Toledo, OH area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
88
Asset Quality
31
Profitability
71
Liquidity
90
Efficiency
87
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.
Northwood, OH · Charter 19723
NCUA · 1 branch
Q2 2026
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.97% | 1.93% | 1.32% | 1.52% | 1.57% | 1.61% | 1.03% | 1.23% | -28 bps | |
| Return on Equity | 14.05% | 13.29% | 9.34% | 10.36% | 10.63% | 10.70% | 6.71% | 8.03% | -234 bps | |
| Net Interest Margin | 4.59% | 4.60% | 4.17% | 4.20% | 4.15% | 4.17% | 3.90% | 3.93% | -27 bps | |
| Efficiency Ratio | 58.04% | 58.66% | 68.73% | 63.75% | 62.42% | 61.67% | 72.37% | 68.41% | +465 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.03% | -5.80% | -1.43% | 0.44% | 7.15% | 7.93% | 2.78% | 5.22% | +478 bps | |
| Loan Growth (YoY) | 8.33% | -2.65% | -12.66% | -17.51% | -14.73% | -13.46% | -12.13% | -15.61% | +190 bps | |
| Share Growth (YoY) | -7.79% | -8.70% | -3.63% | -1.49% | 6.25% | 7.27% | 1.32% | 4.26% | +575 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.10% | 0.12% | 0.37% | 0.25% | 1.20% | 0.20% | 1.54% | +117 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 | 13.99% | 14.49% | 14.17% | 14.62% | 14.73% | 15.05% | 15.36% | 15.38% | +76 bps | |
| Net Worth / Assets | 13.99% | 14.49% | 14.17% | 14.62% | 14.73% | 15.05% | 15.36% | 15.38% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.07% | 79.70% | 71.60% | 70.18% | 67.48% | 64.30% | 62.09% | 56.80% | -1,338 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Northwood, OH · Charter 19723 · Peer group: credit unions under $1B in assets in the Toledo, OH area (n=16)
NCUA · 1 branch
Q2 2026
Return on Assets
1.24%
Rank 5 of 16
Net Interest Margin
3.93%
Rank 5 of 16
Efficiency Ratio
68.53%
Rank 3 of 16
Equity / Assets
15.38%
Rank 2 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.24% | 0.42% | 0.79% | 1.25% | Beats 69% | 5 / 16 | ||
| Return on Equity | 8.07% | 4.46% | 6.21% | 8.07% | Beats 75% | 4 / 16 | ||
| Net Interest Margin | 3.93% | 3.36% | 3.61% | 4.01% | Beats 69% | 5 / 16 | ||
| Efficiency Ratio | 68.53% | 73.52% | 82.33% | 89.54% | Beats 87% | 3 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.53% | 0.27% | 0.89% | 1.78% | Beats 31% | 12 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.38% | 10.18% | 11.33% | 14.76% | Beats 88% | 2 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.38% | 10.18% | 11.33% | 14.76% | Beats 88% | 2 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.81% | 46.01% | 53.43% | 81.29% | 56th pctl | 7 / 16 | ||
| Loans / Assets | 47.99% | 40.62% | 46.48% | 59.08% | 56th pctl | 7 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||