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Toledo, OH · Charter 60978

NCUA · 23 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.2BShares
$132.4MNet 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 1.14%, up 71 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.37% of loans (-1 bps YoY).
  • Capital: net worth / assets of 9.46%, up 36 bps from a year ago.
  • Funding: loans stand at 93.15% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+71 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+29 bps YoY

Efficiency Ratio (YTD, annualized)

67.80%-1,733 bps YoY

Net Worth / Assets

9.46%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.42%0.35%0.53%1.14%+71 bps
Return on Equity4.72%4.53%3.86%5.78%12.00%+729 bps
Net Interest Margin3.31%3.42%3.45%3.58%3.60%+29 bps
Efficiency Ratio85.13%85.68%86.86%82.44%67.80%-1,733 bps
Growth
Asset Growth (YoY)7.37%7.32%4.22%3.24%3.65%-373 bps
Loan Growth (YoY)8.39%9.65%7.46%5.53%4.25%-414 bps
Share Growth (YoY)9.02%8.61%4.97%3.87%4.38%-464 bps
Asset Quality
Delinquent Loans / Loans0.38%0.39%0.33%0.36%0.37%-1 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 Capital9.10%9.29%9.16%9.10%9.46%+36 bps
Net Worth / Assets9.10%9.29%9.16%9.10%9.46%+36 bps
Liquidity & Funding
Loans / Shares93.26%95.49%94.79%92.67%93.15%-12 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps