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Lormet Community

Amherst, OH · Charter 24637

NCUA · 4 branches

Q2 2026

$283.3MAssets
$139.0MLoans
$244.4MShares
$38.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.50%, down 5 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.15% of loans (-4 bps YoY).
  • Capital: net worth / assets of 13.48%, up 85 bps from a year ago.
  • Funding: loans stand at 56.88% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.50%-5 bps YoY

Net Interest Margin (quarter, annualized)

3.39%+16 bps YoY

Efficiency Ratio (quarter, annualized)

62.51%+151 bps YoY

Net Worth / Assets

13.48%+85 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.55%1.58%1.55%1.72%1.50%-5 bps
Return on Equity12.25%12.26%11.93%12.98%11.12%-113 bps
Net Interest Margin3.22%3.24%3.20%3.58%3.39%+16 bps
Efficiency Ratio60.99%60.05%59.82%58.44%62.51%+151 bps
Growth
Asset Growth (YoY)6.97%7.66%8.26%7.04%5.59%-138 bps
Loan Growth (YoY)-1.03%0.41%-0.45%-1.96%-1.51%-48 bps
Share Growth (YoY)6.09%6.76%6.78%5.79%4.42%-167 bps
Asset Quality
Delinquent Loans / Loans0.20%0.26%0.20%0.15%0.15%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.63%12.89%13.04%13.27%13.48%+85 bps
Net Worth / Assets12.63%12.89%13.04%13.27%13.48%+85 bps
Liquidity & Funding
Loans / Shares60.30%60.39%58.15%56.62%56.88%-342 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps