Cleveland, OH · Charter 22151
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 Cleveland, OH area (n=39). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
100
Profitability
30
Liquidity
0
Efficiency
5
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.
Cleveland, OH · Charter 22151
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 | 0.62% | 0.01% | -1.37% | -1.97% | -1.07% | -0.96% | -0.27% | -0.65% | +132 bps | |
| Return on Equity | 4.36% | 0.11% | -12.21% | -17.64% | -9.07% | -7.82% | -2.19% | -5.50% | +1,214 bps | |
| Net Interest Margin | 4.74% | 3.83% | 4.31% | 4.38% | 4.74% | 4.98% | 3.86% | 4.30% | -8 bps | |
| Efficiency Ratio | 87.18% | 93.60% | 131.55% | 144.44% | 122.25% | 119.01% | 106.85% | 114.96% | -2,948 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.78% | 13.03% | 10.59% | -2.00% | -4.99% | -13.43% | -14.48% | -7.57% | -556 bps | |
| Loan Growth (YoY) | -3.36% | -14.44% | -16.47% | -29.11% | -26.70% | -9.01% | 7.15% | 43.00% | +7,211 bps | |
| Share Growth (YoY) | 1.64% | 6.27% | 7.70% | 1.88% | -1.76% | -4.43% | -8.56% | -7.29% | -917 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.12% | 0.73% | 3.55% | 3.05% | 1.38% | 0.37% | 0.36% | -320 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 | 7.52% | 10.14% | 11.34% | 9.92% | 10.46% | 10.49% | 9.96% | 6.97% | -296 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.26% | 11.50% | 11.25% | 11.19% | 11.84% | 12.32% | 12.26% | 11.89% | +70 bps | |
| Net Worth / Assets | 14.26% | 11.50% | 11.25% | 11.19% | 11.84% | 12.32% | 12.26% | 11.89% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.27% | 19.14% | 16.33% | 17.47% | 17.36% | 18.22% | 19.13% | 26.95% | +948 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cleveland, OH · Charter 22151 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.55%
Rank 38 of 39
Net Interest Margin
4.38%
Rank 7 of 39
Efficiency Ratio
112.50%
Rank 38 of 39
Equity / Assets
11.78%
Rank 23 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.55% | 0.13% | 0.49% | 0.87% | Beats 3% | 38 / 39 | ||
| Return on Equity | -4.65% | 1.01% | 4.09% | 7.61% | Beats 5% | 37 / 39 | ||
| Net Interest Margin | 4.38% | 3.28% | 3.83% | 4.18% | Beats 82% | 7 / 39 | ||
| Efficiency Ratio | 112.50% | 76.45% | 81.64% | 91.75% | Beats 5% | 38 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.15% | 0.61% | 1.88% | Beats 100% | 5 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.78% | 10.00% | 12.89% | 19.36% | Beats 41% | 23 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.78% | 10.00% | 12.89% | 19.36% | Beats 41% | 23 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 26.99% | 45.46% | 53.28% | 74.29% | 8th pctl | 36 / 39 | ||
| Loans / Assets | 24.11% | 36.24% | 44.98% | 63.66% | 8th pctl | 36 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||