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 | |