Toledo, OH · Charter 21226
NCUA · 4 branches
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 | 0.14% | 0.20% | 0.11% | 0.05% | 0.13% | 0.18% | 0.08% | -0.09% | -15 bps | |
| Return on Equity | 1.34% | 1.97% | 1.10% | 0.54% | 1.26% | 1.74% | 0.83% | -0.93% | -147 bps | |
| Net Interest Margin | 4.29% | 4.37% | 4.31% | 4.34% | 4.57% | 4.58% | 4.11% | 4.25% | -9 bps | |
| Efficiency Ratio | 92.36% | 92.32% | 96.68% | 95.35% | 93.94% | 92.56% | 92.93% | 94.61% | -75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.69% | -8.44% | -6.20% | -2.91% | -1.24% | -0.56% | 1.12% | -3.03% | -12 bps | |
| Loan Growth (YoY) | -4.82% | -5.73% | -5.16% | -4.69% | -1.87% | -2.44% | -0.91% | 1.56% | +625 bps | |
| Share Growth (YoY) | -12.17% | -9.75% | -7.11% | -3.41% | -1.41% | -0.49% | 1.48% | -3.31% | +10 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.26% | 1.00% | 1.12% | 1.06% | 0.96% | 0.80% | 0.75% | -36 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 | 10.08% | 10.29% | 10.06% | 9.88% | 10.32% | 10.45% | 10.03% | 10.18% | +30 bps | |
| Net Worth / Assets | 10.08% | 10.29% | 10.06% | 9.88% | 10.32% | 10.45% | 10.03% | 10.18% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.70% | 61.29% | 58.08% | 56.52% | 60.41% | 60.09% | 56.72% | 59.37% | +285 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |