PackageTrendsPeer
Letter portraitLegal landscape

Theory

Painesville, OH · Charter 24545

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Cleveland, OH area3

Basis

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.

Peer group

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.

Peer standing

Capital

5

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

69

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Theory

Painesville, OH · Charter 24545

NCUA · 3 branches

Q2 2026

$38.4MAssets
$19.2MLoans
$36.0MShares
$3.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.10%, down 75 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 2.11% of loans (-95 bps YoY).
  • Capital: net worth / assets of 8.65%, up 10 bps from a year ago.
  • Funding: loans stand at 53.45% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.10%-75 bps YoY

Net Interest Margin (YTD, annualized)

4.46%+30 bps YoY

Efficiency Ratio (YTD, annualized)

78.60%+12 bps YoY

Net Worth / Assets

8.65%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.84%0.71%0.11%0.10%-75 bps
Return on Equity9.88%9.68%8.17%1.31%1.11%-878 bps
Net Interest Margin4.17%4.24%4.23%4.20%4.46%+30 bps
Efficiency Ratio78.48%79.31%81.67%85.09%78.60%+12 bps
Growth
Asset Growth (YoY)11.91%10.80%9.06%10.17%3.88%-803 bps
Loan Growth (YoY)-3.23%-0.39%2.30%3.03%4.67%+790 bps
Share Growth (YoY)10.49%9.84%7.36%9.43%3.06%-743 bps
Asset Quality
Delinquent Loans / Loans3.06%2.29%2.50%0.78%2.11%-95 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.56%8.71%8.72%8.36%8.65%+10 bps
Net Worth / Assets8.56%8.71%8.72%8.36%8.65%+10 bps
Liquidity & Funding
Loans / Shares52.63%54.84%54.77%51.79%53.45%+82 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Theory

Painesville, OH · Charter 24545 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)

NCUA · 3 branches

Q2 2026

$38.4MAssets
$19.2MLoans
$36.0MShares
$3.3MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 85% of credit unions under $1B in assets in the Cleveland, OH area (rank 6 of 39).
  • Widest gap: equity / assets trails 95% of credit unions under $1B in assets in the Cleveland, OH area (rank 37 of 39).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.09%

Rank 32 of 39

Net Interest Margin

4.46%

Rank 6 of 39

Efficiency Ratio

78.63%

Rank 13 of 39

Equity / Assets

8.65%

Rank 37 of 39

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.09%0.13%0.49%0.87%Beats 18%32 / 39
Return on Equity1.08%1.01%4.09%7.61%Beats 26%29 / 39
Net Interest Margin4.46%3.28%3.83%4.18%Beats 85%6 / 39
Efficiency Ratio78.63%76.45%81.64%91.75%Beats 69%13 / 39
Asset Quality
Nonperforming Loans / Loans2.11%0.15%0.61%1.88%Beats 23%31 / 39
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.65%10.00%12.89%19.36%Beats 5%37 / 39
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.65%10.00%12.89%19.36%Beats 5%37 / 39
Liquidity & Funding
Loans / Deposits53.45%45.46%53.28%74.29%51st pctl19 / 39
Loans / Assets50.07%36.24%44.98%63.66%62nd pctl15 / 39
Brokered Deposits / Depositsn/aNot reported for this institution