Doy
Youngstown, OH · Charter 20661 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$70.8MAssets
$27.3MLoans
$60.8MShares
$10.0MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 96% of credit unions under $1B in assets (rank 60 of 1682).
- Widest gap: net interest margin trails 99% of credit unions under $1B in assets (rank 1673 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.75%
Rank 827 of 1,683
Net Interest Margin
1.46%
Rank 1,673 of 1,683
Efficiency Ratio
49.81%
Rank 60 of 1,682
Equity / Assets
14.12%
Rank 656 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.35% | 0.74% | 1.18% | Beats 51% | 827 / 1,683 | | |
| Return on Equity | 5.32% | 2.67% | 5.89% | 8.74% | Beats 45% | 922 / 1,681 | | |
| Net Interest Margin | 1.46% | 3.31% | 3.82% | 4.32% | Beats 1% | 1,673 / 1,683 | | |
| Efficiency Ratio | 49.81% | 68.91% | 78.20% | 86.93% | Beats 96% | 60 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.26% | 0.65% | 1.29% | Beats 76% | 408 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.12% | 10.44% | 12.89% | 16.53% | Beats 61% | 656 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.12% | 10.44% | 12.89% | 16.53% | Beats 61% | 656 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 44.90% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,405 / 1,683 | | |
| Loans / Assets | 38.55% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,403 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |