PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

All Saints

Parma, OH · Charter 4845

NCUA · 3 branches

Q2 2026

$45.4MAssets
$19.3MLoans
$36.9MShares
$8.8MNet 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 0.68%, down 46 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 1.08% of loans (+33 bps YoY).
  • Capital: net worth / assets of 19.36%, up 77 bps from a year ago.
  • Funding: loans stand at 52.33% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%-46 bps YoY

Net Interest Margin (YTD, annualized)

3.62%-44 bps YoY

Efficiency Ratio (YTD, annualized)

81.56%+655 bps YoY

Net Worth / Assets

19.36%+77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.12%0.95%0.73%0.68%-46 bps
Return on Equity6.12%5.78%4.87%3.78%3.52%-260 bps
Net Interest Margin4.06%4.13%4.01%3.51%3.62%-44 bps
Efficiency Ratio75.01%75.86%78.21%83.79%81.56%+655 bps
Growth
Asset Growth (YoY)-0.71%1.47%-0.03%-0.56%-0.38%+32 bps
Loan Growth (YoY)-9.38%-11.83%-10.94%-11.95%-12.32%-293 bps
Share Growth (YoY)-2.12%0.42%-1.21%-1.70%-1.38%+74 bps
Asset Quality
Delinquent Loans / Loans0.75%0.52%0.41%0.84%1.08%+33 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 Capital18.60%19.47%19.45%19.23%19.36%+77 bps
Net Worth / Assets18.60%19.47%19.45%19.23%19.36%+77 bps
Liquidity & Funding
Loans / Shares58.85%58.67%57.47%54.28%52.33%-653 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps