Youngstown, OH · Charter 20661
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 | 0.59% | 0.58% | 0.49% | 0.49% | 0.45% | 0.45% | 0.75% | 0.75% | +27 bps | |
| Return on Equity | 3.89% | 3.87% | 3.34% | 3.39% | 3.11% | 3.21% | 5.34% | 5.32% | +193 bps | |
| Net Interest Margin | 1.42% | 1.39% | 1.23% | 1.23% | 1.22% | 1.20% | 1.47% | 1.46% | +23 bps | |
| Efficiency Ratio | 59.21% | 58.62% | 61.32% | 61.56% | 64.12% | 62.91% | 49.83% | 49.86% | -1,170 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.78% | 6.12% | 6.89% | 7.57% | 8.21% | 10.48% | 7.32% | 5.84% | -174 bps | |
| Loan Growth (YoY) | -0.13% | -4.33% | -3.87% | -1.20% | 3.53% | 3.81% | 7.46% | 6.89% | +810 bps | |
| Share Growth (YoY) | 12.24% | 6.50% | 7.41% | 8.54% | 9.13% | 11.75% | 7.92% | 6.09% | -245 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.05% | 0.05% | 0.04% | 0.05% | 0.03% | 0.03% | 0.25% | +21 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 | 15.10% | 15.02% | 14.55% | 14.32% | 14.43% | 14.05% | 14.08% | 14.12% | -20 bps | |
| Net Worth / Assets | 15.10% | 15.02% | 14.55% | 14.32% | 14.43% | 14.05% | 14.08% | 14.12% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.45% | 45.69% | 43.80% | 44.57% | 45.02% | 42.45% | 43.61% | 44.91% | +34 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |