Parma, OH · Charter 4845
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 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
74
Asset Quality
41
Profitability
48
Liquidity
95
Efficiency
54
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.
Parma, OH · Charter 4845
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 | 1.08% | 1.04% | 0.93% | 1.14% | 1.12% | 0.95% | 0.73% | 0.68% | -46 bps | |
| Return on Equity | 5.77% | 5.64% | 5.09% | 6.12% | 5.78% | 4.87% | 3.78% | 3.52% | -260 bps | |
| Net Interest Margin | 4.03% | 3.98% | 3.95% | 4.06% | 4.13% | 4.01% | 3.51% | 3.62% | -44 bps | |
| Efficiency Ratio | 76.37% | 75.30% | 77.96% | 75.01% | 75.86% | 78.21% | 83.79% | 81.56% | +655 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.07% | -7.31% | -3.05% | -0.71% | 1.47% | -0.03% | -0.56% | -0.38% | +32 bps | |
| Loan Growth (YoY) | -3.68% | -6.76% | -7.80% | -9.38% | -11.83% | -10.94% | -11.95% | -12.32% | -293 bps | |
| Share Growth (YoY) | -17.79% | -9.74% | -4.87% | -2.12% | 0.42% | -1.21% | -1.70% | -1.38% | +74 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 1.22% | 0.75% | 0.75% | 0.52% | 0.41% | 0.84% | 1.08% | +33 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 | 18.64% | 18.50% | 18.26% | 18.60% | 19.47% | 19.45% | 19.23% | 19.36% | +77 bps | |
| Net Worth / Assets | 18.64% | 18.50% | 18.26% | 18.60% | 19.47% | 19.45% | 19.23% | 19.36% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.82% | 63.75% | 60.59% | 58.85% | 58.67% | 57.47% | 54.28% | 52.33% | -653 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Parma, OH · Charter 4845 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 3 branches
Q2 2026
Return on Assets
0.68%
Rank 15 of 39
Net Interest Margin
3.61%
Rank 24 of 39
Efficiency Ratio
81.56%
Rank 19 of 39
Equity / Assets
19.36%
Rank 10 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.68% | 0.13% | 0.49% | 0.87% | Beats 62% | 15 / 39 | ||
| Return on Equity | 3.52% | 1.01% | 4.09% | 7.61% | Beats 44% | 22 / 39 | ||
| Net Interest Margin | 3.61% | 3.28% | 3.83% | 4.18% | Beats 38% | 24 / 39 | ||
| Efficiency Ratio | 81.56% | 76.45% | 81.64% | 91.75% | Beats 54% | 19 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.07% | 0.15% | 0.61% | 1.88% | Beats 41% | 24 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.36% | 10.00% | 12.89% | 19.36% | Beats 74% | 10 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.36% | 10.00% | 12.89% | 19.36% | Beats 74% | 10 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.33% | 45.46% | 53.28% | 74.29% | 46th pctl | 21 / 39 | ||
| Loans / Assets | 42.48% | 36.24% | 44.98% | 63.66% | 36th pctl | 25 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||