Toledo, OH · Charter 60978
NCUA · 23 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
84
Profitability
77
Liquidity
66
Efficiency
64
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.
Toledo, OH · Charter 60978
NCUA · 23 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 | 0.64% | 0.60% | 0.38% | 0.43% | 0.42% | 0.35% | 0.53% | 1.14% | +71 bps | |
| Return on Equity | 6.75% | 6.53% | 4.21% | 4.72% | 4.53% | 3.86% | 5.78% | 12.00% | +729 bps | |
| Net Interest Margin | 3.50% | 3.35% | 3.24% | 3.31% | 3.42% | 3.45% | 3.58% | 3.60% | +29 bps | |
| Efficiency Ratio | 82.53% | 82.71% | 85.97% | 85.13% | 85.68% | 86.86% | 82.44% | 67.80% | -1,733 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.64% | 7.90% | 7.96% | 7.37% | 7.32% | 4.22% | 3.24% | 3.65% | -373 bps | |
| Loan Growth (YoY) | -0.69% | 3.29% | 6.60% | 8.39% | 9.65% | 7.46% | 5.53% | 4.25% | -414 bps | |
| Share Growth (YoY) | 4.10% | 9.67% | 9.77% | 9.02% | 8.61% | 4.97% | 3.87% | 4.38% | -464 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.41% | 0.33% | 0.38% | 0.39% | 0.33% | 0.36% | 0.37% | -1 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 | 9.51% | 9.20% | 9.02% | 9.10% | 9.29% | 9.16% | 9.10% | 9.46% | +36 bps | |
| Net Worth / Assets | 9.51% | 9.20% | 9.02% | 9.10% | 9.29% | 9.16% | 9.10% | 9.46% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.58% | 92.60% | 91.21% | 93.26% | 95.49% | 94.79% | 92.67% | 93.15% | -12 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Toledo, OH · Charter 60978 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 23 branches
Q2 2026
Return on Assets
1.14%
Rank 110 of 435
Net Interest Margin
3.60%
Rank 152 of 435
Efficiency Ratio
67.80%
Rank 157 of 435
Equity / Assets
9.46%
Rank 353 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.14% | 0.55% | 0.81% | 1.14% | Beats 75% | 110 / 435 | ||
| Return on Equity | 12.00% | 5.12% | 7.41% | 9.70% | Beats 90% | 45 / 435 | ||
| Net Interest Margin | 3.60% | 3.01% | 3.39% | 3.75% | Beats 65% | 152 / 435 | ||
| Efficiency Ratio | 67.80% | 65.25% | 71.39% | 77.86% | Beats 64% | 157 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | 0.45% | 0.69% | 1.05% | Beats 84% | 72 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.46% | 9.81% | 10.84% | 12.63% | Beats 19% | 353 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.46% | 9.81% | 10.84% | 12.63% | Beats 19% | 353 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.15% | 78.33% | 88.38% | 95.61% | 66th pctl | 150 / 435 | ||
| Loans / Assets | 80.89% | 67.69% | 74.58% | 80.80% | 76th pctl | 105 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||