Toledo, OH · Charter 2935
NCUA · 1 branch
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
69
Asset Quality
94
Profitability
86
Liquidity
100
Efficiency
81
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 2935
NCUA · 1 branch
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 | 0.66% | 0.65% | 0.62% | 0.64% | 0.60% | 0.68% | 1.74% | 1.57% | +93 bps | |
| Return on Equity | 6.05% | 5.84% | 5.81% | 5.90% | 5.81% | 6.17% | 15.09% | 13.32% | +742 bps | |
| Net Interest Margin | 4.01% | 3.87% | 3.64% | 3.79% | 3.67% | 3.98% | 3.99% | 4.01% | +22 bps | |
| Efficiency Ratio | 86.29% | 86.31% | 86.10% | 86.27% | 86.70% | 85.93% | 65.17% | 68.63% | -1,764 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.91% | -0.65% | 5.11% | 4.55% | 13.52% | 6.24% | 0.93% | 1.76% | -279 bps | |
| Loan Growth (YoY) | 4.08% | 5.14% | 3.57% | 7.52% | 8.62% | 9.91% | 10.37% | 4.00% | -352 bps | |
| Share Growth (YoY) | -5.85% | -2.16% | 4.23% | 3.56% | 13.58% | 5.20% | -0.75% | 0.40% | -315 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.04% | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | 0.06% | +6 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 | 10.99% | 11.05% | 10.68% | 10.80% | 10.26% | 11.08% | 11.55% | 11.76% | +96 bps | |
| Net Worth / Assets | 10.99% | 11.05% | 10.68% | 10.80% | 10.26% | 11.08% | 11.55% | 11.76% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.92% | 51.16% | 48.09% | 51.54% | 48.70% | 53.45% | 53.48% | 53.39% | +185 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 2935 · Peer group: credit unions under $1B in assets in the Toledo, OH area (n=16)
NCUA · 1 branch
Q2 2026
Return on Assets
1.57%
Rank 2 of 16
Net Interest Margin
4.01%
Rank 4 of 16
Efficiency Ratio
68.69%
Rank 4 of 16
Equity / Assets
11.75%
Rank 5 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.57% | 0.42% | 0.79% | 1.25% | Beats 88% | 2 / 16 | ||
| Return on Equity | 13.33% | 4.46% | 6.21% | 8.07% | Beats 94% | 1 / 16 | ||
| Net Interest Margin | 4.01% | 3.36% | 3.61% | 4.01% | Beats 75% | 4 / 16 | ||
| Efficiency Ratio | 68.69% | 73.52% | 82.33% | 89.54% | Beats 81% | 4 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.27% | 0.89% | 1.78% | Beats 94% | 2 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.75% | 10.18% | 11.33% | 14.76% | Beats 69% | 5 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.75% | 10.18% | 11.33% | 14.76% | Beats 69% | 5 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.39% | 46.01% | 53.43% | 81.29% | 44th pctl | 9 / 16 | ||
| Loans / Assets | 45.88% | 40.62% | 46.48% | 59.08% | 44th pctl | 9 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||