Cleveland, OH · Charter 3462
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 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
3
Asset Quality
100
Profitability
66
Liquidity
34
Efficiency
74
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.
Cleveland, OH · Charter 3462
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 | 0.32% | 0.40% | 0.37% | 0.39% | 0.42% | 0.41% | 0.52% | 0.42% | +3 bps | |
| Return on Equity | 4.16% | 5.22% | 4.73% | 5.02% | 5.10% | 4.96% | 6.00% | 4.94% | -8 bps | |
| Net Interest Margin | 5.47% | 5.44% | 5.41% | 5.33% | 5.61% | 5.81% | 6.08% | 5.83% | +50 bps | |
| Efficiency Ratio | 81.95% | 81.65% | 87.42% | 83.61% | 81.83% | 81.50% | 77.54% | 77.77% | -584 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.80% | 9.15% | 6.27% | 8.40% | -0.67% | -2.57% | -5.72% | -4.87% | -1,327 bps | |
| Loan Growth (YoY) | 18.50% | 12.37% | 1.33% | -7.51% | -5.20% | -4.75% | -1.20% | -3.72% | +379 bps | |
| Share Growth (YoY) | 4.77% | 9.17% | 5.76% | 6.80% | -2.91% | -4.83% | -8.11% | -5.51% | -1,231 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 1.39% | 0.63% | 0.00% | 0 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 | 7.68% | 7.74% | 7.80% | 7.74% | 8.22% | 8.36% | 8.70% | 8.56% | +82 bps | |
| Net Worth / Assets | 7.68% | 7.74% | 7.80% | 7.74% | 8.22% | 8.36% | 8.70% | 8.56% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.60% | 73.77% | 70.91% | 69.52% | 74.79% | 73.82% | 76.24% | 70.83% | +131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cleveland, OH · Charter 3462 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 1 branch
Q2 2026
Return on Assets
0.41%
Rank 23 of 39
Net Interest Margin
5.83%
Rank 2 of 39
Efficiency Ratio
77.78%
Rank 11 of 39
Equity / Assets
8.56%
Rank 38 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.41% | 0.13% | 0.49% | 0.87% | Beats 41% | 23 / 39 | ||
| Return on Equity | 4.85% | 1.01% | 4.09% | 7.61% | Beats 62% | 15 / 39 | ||
| Net Interest Margin | 5.83% | 3.28% | 3.83% | 4.18% | Beats 95% | 2 / 39 | ||
| Efficiency Ratio | 77.78% | 76.45% | 81.64% | 91.75% | Beats 74% | 11 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.15% | 0.61% | 1.88% | Beats 100% | 5 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.56% | 10.00% | 12.89% | 19.36% | Beats 3% | 38 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.56% | 10.00% | 12.89% | 19.36% | Beats 3% | 38 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.82% | 45.46% | 53.28% | 74.29% | 69th pctl | 12 / 39 | ||
| Loans / Assets | 63.66% | 36.24% | 44.98% | 63.66% | 74th pctl | 10 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||