Amherst, OH · Charter 24637
NCUA · 4 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
56
Asset Quality
77
Profitability
73
Liquidity
87
Efficiency
97
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.
Amherst, OH · Charter 24637
NCUA · 4 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 | 1.40% | 1.38% | 1.53% | 1.55% | 1.58% | 1.55% | 1.72% | 1.50% | -5 bps | |
| Return on Equity | 11.39% | 11.13% | 12.22% | 12.25% | 12.26% | 11.93% | 12.98% | 11.12% | -113 bps | |
| Net Interest Margin | 3.07% | 3.08% | 3.19% | 3.22% | 3.24% | 3.20% | 3.58% | 3.39% | +16 bps | |
| Efficiency Ratio | 64.04% | 64.19% | 61.06% | 60.99% | 60.05% | 59.82% | 58.44% | 62.51% | +151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.33% | 3.74% | 5.15% | 6.97% | 7.66% | 8.26% | 7.04% | 5.59% | -138 bps | |
| Loan Growth (YoY) | 0.13% | -3.12% | -2.69% | -1.03% | 0.41% | -0.45% | -1.96% | -1.51% | -48 bps | |
| Share Growth (YoY) | 1.26% | 2.64% | 4.02% | 6.09% | 6.76% | 6.78% | 5.79% | 4.42% | -167 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.15% | 0.21% | 0.20% | 0.26% | 0.20% | 0.15% | 0.15% | -4 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 | 12.27% | 12.45% | 12.50% | 12.63% | 12.89% | 13.04% | 13.27% | 13.48% | +85 bps | |
| Net Worth / Assets | 12.27% | 12.45% | 12.50% | 12.63% | 12.89% | 13.04% | 13.27% | 13.48% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.22% | 62.37% | 61.10% | 60.30% | 60.39% | 58.15% | 56.62% | 56.88% | -342 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Amherst, OH · Charter 24637 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 4 branches
Q2 2026
Return on Assets
1.50%
Rank 2 of 39
Net Interest Margin
3.39%
Rank 28 of 39
Efficiency Ratio
62.51%
Rank 2 of 39
Equity / Assets
13.48%
Rank 17 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.50% | 0.13% | 0.49% | 0.87% | Beats 95% | 2 / 39 | ||
| Return on Equity | 11.12% | 1.01% | 4.09% | 7.61% | Beats 95% | 2 / 39 | ||
| Net Interest Margin | 3.39% | 3.28% | 3.83% | 4.18% | Beats 28% | 28 / 39 | ||
| Efficiency Ratio | 62.51% | 76.45% | 81.64% | 91.75% | Beats 97% | 2 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.15% | 0.61% | 1.88% | Beats 77% | 10 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.48% | 10.00% | 12.89% | 19.36% | Beats 56% | 17 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.48% | 10.00% | 12.89% | 19.36% | Beats 56% | 17 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.88% | 45.46% | 53.28% | 74.29% | 56th pctl | 17 / 39 | ||
| Loans / Assets | 49.08% | 36.24% | 44.98% | 63.66% | 59th pctl | 16 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||