Painesville, OH · Charter 24545
NCUA · 3 branches
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
5
Asset Quality
23
Profitability
43
Liquidity
99
Efficiency
69
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.
Painesville, OH · Charter 24545
NCUA · 3 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 | 0.67% | 0.69% | 1.01% | 0.85% | 0.84% | 0.71% | 0.11% | 0.10% | -75 bps | |
| Return on Equity | 7.60% | 7.92% | 11.61% | 9.88% | 9.68% | 8.17% | 1.31% | 1.11% | -878 bps | |
| Net Interest Margin | 4.11% | 4.05% | 4.33% | 4.17% | 4.24% | 4.23% | 4.20% | 4.46% | +30 bps | |
| Efficiency Ratio | 82.05% | 82.14% | 77.53% | 78.48% | 79.31% | 81.67% | 85.09% | 78.60% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.82% | 1.50% | 6.16% | 11.91% | 10.80% | 9.06% | 10.17% | 3.88% | -803 bps | |
| Loan Growth (YoY) | -1.13% | -4.39% | -4.70% | -3.23% | -0.39% | 2.30% | 3.03% | 4.67% | +790 bps | |
| Share Growth (YoY) | -5.88% | 0.33% | 4.27% | 10.49% | 9.84% | 7.36% | 9.43% | 3.06% | -743 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.00% | 1.42% | 1.65% | 3.06% | 2.29% | 2.50% | 0.78% | 2.11% | -95 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 | 8.75% | 8.76% | 8.71% | 8.56% | 8.71% | 8.72% | 8.36% | 8.65% | +10 bps | |
| Net Worth / Assets | 8.75% | 8.76% | 8.71% | 8.56% | 8.71% | 8.72% | 8.36% | 8.65% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.48% | 57.48% | 55.01% | 52.63% | 54.84% | 54.77% | 51.79% | 53.45% | +82 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Painesville, OH · Charter 24545 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 3 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.09% | 0.13% | 0.49% | 0.87% | Beats 18% | 32 / 39 | ||
| Return on Equity | 1.08% | 1.01% | 4.09% | 7.61% | Beats 26% | 29 / 39 | ||
| Net Interest Margin | 4.46% | 3.28% | 3.83% | 4.18% | Beats 85% | 6 / 39 | ||
| Efficiency Ratio | 78.63% | 76.45% | 81.64% | 91.75% | Beats 69% | 13 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.11% | 0.15% | 0.61% | 1.88% | Beats 23% | 31 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.65% | 10.00% | 12.89% | 19.36% | Beats 5% | 37 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.65% | 10.00% | 12.89% | 19.36% | Beats 5% | 37 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.45% | 45.46% | 53.28% | 74.29% | 51st pctl | 19 / 39 | ||
| Loans / Assets | 50.07% | 36.24% | 44.98% | 63.66% | 62nd pctl | 15 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||