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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |