Independence, OH · Charter 5852
NCUA · 10 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | 0.55% | 0.56% | 0.71% | 0.35% | -2 bps | |
| Return on Equity | 3.42% | 5.20% | 5.21% | 6.55% | 3.22% | -20 bps | |
| Net Interest Margin | 3.49% | 3.38% | 3.43% | 3.46% | 3.53% | +4 bps | |
| Efficiency Ratio | 87.41% | 83.54% | 83.18% | 80.25% | 87.31% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.73% | 8.66% | 9.57% | 7.19% | 5.59% | +286 bps | |
| Loan Growth (YoY) | 7.31% | 12.22% | 9.76% | 12.71% | 8.90% | +159 bps | |
| Share Growth (YoY) | 3.39% | 6.00% | 7.51% | 4.76% | 3.46% | +7 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.78% | 10.66% | 10.74% | 10.79% | 10.89% | +11 bps | |
| Net Worth / Assets | 10.78% | 10.66% | 10.74% | 10.79% | 10.89% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |