Toledo, OH · Charter 24578
NCUA · 2 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 Toledo, OH area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
25
Profitability
27
Liquidity
0
Efficiency
6
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.
Toledo, OH · Charter 24578
NCUA · 2 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 | -3.19% | -3.27% | 0.73% | -1.96% | -3.13% | -4.14% | -0.69% | -1.76% | +20 bps | |
| Return on Equity | -17.40% | -18.27% | 4.53% | -13.12% | -21.99% | -34.47% | -6.20% | -17.94% | -482 bps | |
| Net Interest Margin | 4.18% | 4.27% | 4.20% | 4.25% | 4.51% | 4.31% | 4.23% | 4.02% | -23 bps | |
| Efficiency Ratio | 137.37% | 122.48% | 90.19% | 116.76% | 130.69% | 139.07% | 105.77% | 114.34% | -242 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.62% | 3.20% | -7.27% | 6.83% | -1.57% | 2.33% | -1.13% | 4.82% | -200 bps | |
| Loan Growth (YoY) | 8.64% | 6.72% | 5.03% | 7.54% | 3.05% | 4.34% | 6.84% | 11.72% | +418 bps | |
| Share Growth (YoY) | 13.55% | 13.95% | 9.98% | 15.46% | 5.30% | 12.63% | 8.31% | 10.89% | -457 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.03% | 3.62% | 3.13% | 4.65% | 3.57% | 3.47% | 2.27% | 1.78% | -287 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 | 18.36% | 17.89% | 16.09% | 14.95% | 14.25% | 12.01% | 11.17% | 9.83% | -512 bps | |
| Net Worth / Assets | 18.36% | 17.89% | 16.09% | 14.95% | 14.25% | 12.01% | 11.17% | 9.83% | -512 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.48% | 96.78% | 88.54% | 89.85% | 92.46% | 89.66% | 87.34% | 90.52% | +68 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Toledo, OH · Charter 24578 · Peer group: credit unions under $1B in assets in the Toledo, OH area (n=16)
NCUA · 2 branches
Q2 2026
Return on Assets
-1.77%
Rank 16 of 16
Net Interest Margin
4.01%
Rank 3 of 16
Efficiency Ratio
114.30%
Rank 16 of 16
Equity / Assets
9.83%
Rank 13 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.77% | 0.42% | 0.79% | 1.25% | Beats 0% | 16 / 16 | ||
| Return on Equity | -17.99% | 4.46% | 6.21% | 8.07% | Beats 0% | 16 / 16 | ||
| Net Interest Margin | 4.01% | 3.36% | 3.61% | 4.01% | Beats 81% | 3 / 16 | ||
| Efficiency Ratio | 114.30% | 73.52% | 82.33% | 89.54% | Beats 6% | 16 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.78% | 0.27% | 0.89% | 1.78% | Beats 25% | 13 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.83% | 10.18% | 11.33% | 14.76% | Beats 19% | 13 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.83% | 10.18% | 11.33% | 14.76% | Beats 19% | 13 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.52% | 46.01% | 53.43% | 81.29% | 88th pctl | 2 / 16 | ||
| Loans / Assets | 80.89% | 40.62% | 46.48% | 59.08% | 94th pctl | 1 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||