Parma, OH · Charter 4966
NCUA · 2 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
10
Asset Quality
46
Profitability
57
Liquidity
33
Efficiency
49
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 4966
NCUA · 2 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 | 0.25% | 0.20% | -0.04% | 0.36% | 0.48% | 0.42% | 0.31% | 0.42% | +6 bps | |
| Return on Equity | 2.84% | 2.24% | -0.51% | 4.09% | 5.29% | 4.78% | 3.48% | 4.63% | +54 bps | |
| Net Interest Margin | 3.57% | 3.58% | 3.72% | 3.83% | 3.91% | 3.89% | 4.00% | 4.09% | +26 bps | |
| Efficiency Ratio | 86.57% | 87.20% | 96.74% | 88.20% | 84.98% | 84.12% | 88.11% | 82.92% | -528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.81% | 3.27% | 2.25% | 1.69% | 3.18% | 4.33% | 3.61% | 1.61% | -8 bps | |
| Loan Growth (YoY) | -0.25% | -2.19% | -0.06% | 1.30% | 4.28% | 5.73% | 2.43% | 1.03% | -27 bps | |
| Share Growth (YoY) | 1.51% | 2.21% | 1.16% | 0.51% | 2.52% | 3.87% | 3.41% | 1.37% | +86 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.00% | 0.84% | 1.05% | 1.43% | 1.69% | 1.52% | 0.98% | -7 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 | 8.92% | 8.76% | 8.72% | 8.80% | 8.98% | 8.79% | 8.90% | 9.09% | +29 bps | |
| Net Worth / Assets | 8.92% | 8.76% | 8.72% | 8.80% | 8.98% | 8.79% | 8.90% | 9.09% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.46% | 69.42% | 70.28% | 71.41% | 72.69% | 70.67% | 69.62% | 71.17% | -24 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 4966 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 2 branches
Q2 2026
Return on Assets
0.42%
Rank 22 of 39
Net Interest Margin
4.09%
Rank 13 of 39
Efficiency Ratio
82.93%
Rank 21 of 39
Equity / Assets
9.09%
Rank 35 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.42% | 0.13% | 0.49% | 0.87% | Beats 44% | 22 / 39 | ||
| Return on Equity | 4.62% | 1.01% | 4.09% | 7.61% | Beats 59% | 16 / 39 | ||
| Net Interest Margin | 4.09% | 3.28% | 3.83% | 4.18% | Beats 67% | 13 / 39 | ||
| Efficiency Ratio | 82.93% | 76.45% | 81.64% | 91.75% | Beats 49% | 21 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.98% | 0.15% | 0.61% | 1.88% | Beats 46% | 22 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.09% | 10.00% | 12.89% | 19.36% | Beats 10% | 35 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.09% | 10.00% | 12.89% | 19.36% | Beats 10% | 35 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.17% | 45.46% | 53.28% | 74.29% | 72nd pctl | 11 / 39 | ||
| Loans / Assets | 64.27% | 36.24% | 44.98% | 63.66% | 77th pctl | 9 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||