Painesville, OH · Charter 24545
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |