Independence, OH · Charter 5852
NCUA · 10 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
33
Asset Quality
49
Profitability
38
Liquidity
0
Efficiency
38
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.
Independence, OH · Charter 5852
NCUA · 10 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 | 0.56% | 0.46% | 0.45% | 0.37% | 0.55% | 0.56% | 0.71% | 0.35% | -2 bps | |
| Return on Equity | 5.10% | 4.13% | 4.15% | 3.42% | 5.20% | 5.21% | 6.55% | 3.22% | -20 bps | |
| Net Interest Margin | 3.38% | 3.43% | 3.51% | 3.49% | 3.38% | 3.43% | 3.46% | 3.53% | +4 bps | |
| Efficiency Ratio | 83.88% | 83.30% | 86.43% | 87.41% | 83.54% | 83.18% | 80.25% | 87.31% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.56% | -1.51% | 1.38% | 2.73% | 8.66% | 9.57% | 7.19% | 5.59% | +286 bps | |
| Loan Growth (YoY) | 0.54% | 4.24% | 3.90% | 7.31% | 12.22% | 9.76% | 12.71% | 8.90% | +159 bps | |
| Share Growth (YoY) | -3.53% | -0.95% | 1.78% | 3.39% | 6.00% | 7.51% | 4.76% | 3.46% | +7 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.35% | 0.45% | 0.46% | 0.65% | 0.87% | 0.59% | 0.63% | +16 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 | 11.00% | 11.02% | 10.77% | 10.78% | 10.66% | 10.74% | 10.79% | 10.89% | +11 bps | |
| Net Worth / Assets | 11.00% | 11.02% | 10.77% | 10.78% | 10.66% | 10.74% | 10.79% | 10.89% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.36% | 76.84% | 73.71% | 77.79% | 79.78% | 78.44% | 79.30% | 81.88% | +408 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Independence, OH · Charter 5852 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 10 branches
Q2 2026
Return on Assets
0.35%
Rank 25 of 39
Net Interest Margin
3.53%
Rank 25 of 39
Efficiency Ratio
87.32%
Rank 25 of 39
Equity / Assets
10.89%
Rank 26 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.35% | 0.13% | 0.49% | 0.87% | Beats 36% | 25 / 39 | ||
| Return on Equity | 3.22% | 1.01% | 4.09% | 7.61% | Beats 41% | 23 / 39 | ||
| Net Interest Margin | 3.53% | 3.28% | 3.83% | 4.18% | Beats 36% | 25 / 39 | ||
| Efficiency Ratio | 87.32% | 76.45% | 81.64% | 91.75% | Beats 38% | 25 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.15% | 0.61% | 1.88% | Beats 49% | 21 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.89% | 10.00% | 12.89% | 19.36% | Beats 33% | 26 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.89% | 10.00% | 12.89% | 19.36% | Beats 33% | 26 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.88% | 45.46% | 53.28% | 74.29% | 95th pctl | 2 / 39 | ||
| Loans / Assets | 72.21% | 36.24% | 44.98% | 63.66% | 90th pctl | 4 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||