Warren, OH · Charter 61077
NCUA · 14 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
73
Asset Quality
17
Profitability
46
Liquidity
20
Efficiency
77
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.
Warren, OH · Charter 61077
NCUA · 14 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 1.13% | 0.79% | 0.68% | 0.67% | -47 bps | |
| Return on Equity | 8.31% | 8.24% | 6.19% | 5.39% | 5.35% | -296 bps | |
| Net Interest Margin | 3.93% | 3.94% | 3.72% | 3.83% | 3.77% | -16 bps | |
| Efficiency Ratio | 66.25% | 65.89% | 65.32% | 65.63% | 64.91% | -134 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.00% | 7.52% | 12.56% | 12.34% | 18.98% | +1,098 bps | |
| Loan Growth (YoY) | 8.20% | 12.09% | 11.03% | 11.87% | 21.72% | +1,352 bps | |
| Share Growth (YoY) | 8.56% | 7.02% | 14.02% | 13.58% | 21.81% | +1,324 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.96% | 1.08% | 1.30% | 1.00% | 1.26% | +30 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 | 13.70% | 13.74% | 12.75% | 12.60% | 12.51% | -119 bps | |
| Net Worth / Assets | 13.70% | 13.74% | 12.75% | 12.60% | 12.51% | -119 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.62% | 105.26% | 98.21% | 97.71% | 99.55% | -7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Warren, OH · Charter 61077 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
Return on Assets
0.67%
Rank 287 of 435
Net Interest Margin
3.77%
Rank 99 of 435
Efficiency Ratio
64.91%
Rank 103 of 435
Equity / Assets
12.51%
Rank 116 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.55% | 0.81% | 1.14% | Beats 34% | 287 / 435 | |
| Return on Equity | 5.35% | 5.12% | 7.41% | 9.70% | Beats 28% | 314 / 435 | |
| Net Interest Margin | 3.77% | 3.01% | 3.39% | 3.75% | Beats 77% | 99 / 435 | |
| Efficiency Ratio | 64.91% | 65.25% | 71.39% | 77.86% | Beats 77% | 103 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.26% | 0.45% | 0.69% | 1.05% | Beats 17% | 360 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.51% | 9.81% | 10.84% | 12.63% | Beats 73% | 116 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.51% | 9.81% | 10.84% | 12.63% | Beats 73% | 116 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.55% | 78.33% | 88.38% | 95.61% | 83rd pctl | 72 / 435 | |
| Loans / Assets | 85.11% | 67.69% | 74.58% | 80.80% | 90th pctl | 42 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||