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 | |