Holland, OH · Charter 2918
NCUA · 3 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
81
Asset Quality
12
Profitability
21
Liquidity
83
Efficiency
12
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.
Holland, OH · Charter 2918
NCUA · 3 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 | -0.52% | -1.15% | -0.42% | -0.60% | 0.03% | -0.22% | -0.68% | -0.47% | +13 bps | |
| Return on Equity | -3.72% | -8.39% | -3.01% | -4.05% | 0.23% | -1.51% | -4.58% | -3.08% | +97 bps | |
| Net Interest Margin | 2.56% | 2.66% | 2.93% | 3.07% | 3.42% | 3.38% | 3.59% | 3.61% | +54 bps | |
| Efficiency Ratio | 98.90% | 106.81% | 93.57% | 97.64% | 87.32% | 89.80% | 99.90% | 100.91% | +328 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.92% | 2.83% | -4.22% | -10.99% | -13.10% | -9.61% | -11.57% | -6.45% | +453 bps | |
| Loan Growth (YoY) | 3.26% | -1.22% | -3.86% | -7.43% | -11.69% | -12.19% | -13.33% | -14.50% | -708 bps | |
| Share Growth (YoY) | 8.88% | 5.81% | -3.70% | -9.20% | -13.38% | -12.73% | -14.70% | -10.01% | -80 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.08% | 4.71% | 3.57% | 4.92% | 5.74% | 4.88% | 1.72% | 3.66% | -126 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 | 14.12% | 13.74% | 13.88% | 14.81% | 15.11% | 14.67% | 14.87% | 15.13% | +32 bps | |
| Net Worth / Assets | 14.12% | 13.74% | 13.88% | 14.81% | 15.11% | 14.67% | 14.87% | 15.13% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.18% | 51.41% | 51.42% | 53.52% | 54.21% | 51.73% | 52.25% | 50.84% | -267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Holland, OH · Charter 2918 · Peer group: credit unions under $1B in assets in the Toledo, OH area (n=16)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.47%
Rank 15 of 16
Net Interest Margin
3.61%
Rank 8 of 16
Efficiency Ratio
100.89%
Rank 15 of 16
Equity / Assets
15.13%
Rank 3 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.47% | 0.42% | 0.79% | 1.25% | Beats 6% | 15 / 16 | ||
| Return on Equity | -3.08% | 4.46% | 6.21% | 8.07% | Beats 6% | 15 / 16 | ||
| Net Interest Margin | 3.61% | 3.36% | 3.61% | 4.01% | Beats 50% | 8 / 16 | ||
| Efficiency Ratio | 100.89% | 73.52% | 82.33% | 89.54% | Beats 12% | 15 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.66% | 0.27% | 0.89% | 1.78% | Beats 12% | 15 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.13% | 10.18% | 11.33% | 14.76% | Beats 81% | 3 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.13% | 10.18% | 11.33% | 14.76% | Beats 81% | 3 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.84% | 46.01% | 53.43% | 81.29% | 38th pctl | 10 / 16 | ||
| Loans / Assets | 44.09% | 40.62% | 46.48% | 59.08% | 31st pctl | 11 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||