PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Unity Catholic

Parma, OH · Charter 4966

NCUA · 2 branches

Q2 2026

$98.0MAssets
$63.0MLoans
$88.5MShares
$8.9MNet 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 6 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.98% of loans (-7 bps YoY).
  • Capital: net worth / assets of 9.09%, up 29 bps from a year ago.
  • Funding: loans stand at 71.17% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.42%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.09%+26 bps YoY

Efficiency Ratio (YTD, annualized)

82.92%-528 bps YoY

Net Worth / Assets

9.09%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.48%0.42%0.31%0.42%+6 bps
Return on Equity4.09%5.29%4.78%3.48%4.63%+54 bps
Net Interest Margin3.83%3.91%3.89%4.00%4.09%+26 bps
Efficiency Ratio88.20%84.98%84.12%88.11%82.92%-528 bps
Growth
Asset Growth (YoY)1.69%3.18%4.33%3.61%1.61%-8 bps
Loan Growth (YoY)1.30%4.28%5.73%2.43%1.03%-27 bps
Share Growth (YoY)0.51%2.52%3.87%3.41%1.37%+86 bps
Asset Quality
Delinquent Loans / Loans1.05%1.43%1.69%1.52%0.98%-7 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 Capital8.80%8.98%8.79%8.90%9.09%+29 bps
Net Worth / Assets8.80%8.98%8.79%8.90%9.09%+29 bps
Liquidity & Funding
Loans / Shares71.41%72.69%70.67%69.62%71.17%-24 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps