Toledo, OH · Charter 2935
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |