PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Materion

Elmore, OH · Charter 20063

NCUA · 1 branch

Q2 2026

$38.9MAssets
$21.4MLoans
$32.8MShares
$5.7MNet 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 0.52%, down 90 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.00% of loans (-14 bps YoY).
  • Capital: net worth / assets of 14.66%, down 177 bps from a year ago.
  • Funding: loans stand at 65.47% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%-90 bps YoY

Net Interest Margin (YTD, annualized)

2.52%-74 bps YoY

Efficiency Ratio (YTD, annualized)

69.11%+832 bps YoY

Net Worth / Assets

14.66%-177 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.50%1.19%0.38%0.52%-90 bps
Return on Equity8.66%8.61%7.68%2.48%3.55%-510 bps
Net Interest Margin3.26%3.42%2.99%2.61%2.52%-74 bps
Efficiency Ratio60.79%59.89%63.74%67.06%69.11%+832 bps
Growth
Asset Growth (YoY)3.70%2.52%15.64%17.12%18.22%+1,452 bps
Loan Growth (YoY)2.28%3.03%4.56%0.03%-2.20%-448 bps
Share Growth (YoY)2.44%1.06%17.40%20.91%21.22%+1,878 bps
Asset Quality
Delinquent Loans / Loans0.14%0.07%0.22%0.13%0.00%-14 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 Capital16.42%17.42%15.55%15.30%14.66%-177 bps
Net Worth / Assets16.42%17.42%15.55%15.30%14.66%-177 bps
Liquidity & Funding
Loans / Shares81.14%84.41%72.77%69.43%65.47%-1,567 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps