Toledo, OH · Charter 24578
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.96% | -3.13% | -4.14% | -0.69% | -1.76% | +20 bps | |
| Return on Equity | -13.12% | -21.99% | -34.47% | -6.20% | -17.94% | -482 bps | |
| Net Interest Margin | 4.25% | 4.51% | 4.31% | 4.23% | 4.02% | -23 bps | |
| Efficiency Ratio | 116.76% | 130.69% | 139.07% | 105.77% | 114.34% | -242 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.83% | -1.57% | 2.33% | -1.13% | 4.82% | -200 bps | |
| Loan Growth (YoY) | 7.54% | 3.05% | 4.34% | 6.84% | 11.72% | +418 bps | |
| Share Growth (YoY) | 15.46% | 5.30% | 12.63% | 8.31% | 10.89% | -457 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.95% | 14.25% | 12.01% | 11.17% | 9.83% | -512 bps | |
| Net Worth / Assets | 14.95% | 14.25% | 12.01% | 11.17% | 9.83% | -512 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |