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St. Colman & Affiliates

Cleveland, OH · Charter 3462

NCUA · 1 branch

Q2 2026

$7.7MAssets
$4.9MLoans
$6.9MShares
$660KNet 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 0.42%, up 3 bps year over year; NIM at 5.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.56%, up 82 bps from a year ago.
  • Funding: loans stand at 70.83% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.42%+3 bps YoY

Net Interest Margin (quarter, annualized)

5.83%+50 bps YoY

Efficiency Ratio (quarter, annualized)

77.77%-584 bps YoY

Net Worth / Assets

8.56%+82 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.42%0.41%0.52%0.42%+3 bps
Return on Equity5.02%5.10%4.96%6.00%4.94%-8 bps
Net Interest Margin5.33%5.61%5.81%6.08%5.83%+50 bps
Efficiency Ratio83.61%81.83%81.50%77.54%77.77%-584 bps
Growth
Asset Growth (YoY)8.40%-0.67%-2.57%-5.72%-4.87%-1,327 bps
Loan Growth (YoY)-7.51%-5.20%-4.75%-1.20%-3.72%+379 bps
Share Growth (YoY)6.80%-2.91%-4.83%-8.11%-5.51%-1,231 bps
Asset Quality
Delinquent Loans / Loans0.00%0.09%1.39%0.63%0.00%0 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 Capital7.74%8.22%8.36%8.70%8.56%+82 bps
Net Worth / Assets7.74%8.22%8.36%8.70%8.56%+82 bps
Liquidity & Funding
Loans / Shares69.52%74.79%73.82%76.24%70.83%+131 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps