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 | |