Warren, OH · Charter 61077
NCUA · 14 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.86% | 1.12% | 1.14% | 1.13% | 0.79% | 0.68% | 0.67% | -47 bps | |
| Return on Equity | 6.33% | 6.38% | 8.30% | 8.31% | 8.24% | 6.19% | 5.39% | 5.35% | -296 bps | |
| Net Interest Margin | 3.72% | 3.67% | 3.83% | 3.93% | 3.94% | 3.72% | 3.83% | 3.77% | -16 bps | |
| Efficiency Ratio | 71.44% | 71.26% | 67.00% | 66.25% | 65.89% | 65.32% | 65.63% | 64.91% | -134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.01% | 7.42% | 6.77% | 8.00% | 7.52% | 12.56% | 12.34% | 18.98% | +1,098 bps | |
| Loan Growth (YoY) | 6.52% | 9.16% | 9.05% | 8.20% | 12.09% | 11.03% | 11.87% | 21.72% | +1,352 bps | |
| Share Growth (YoY) | 10.24% | 11.03% | 9.76% | 8.56% | 7.02% | 14.02% | 13.58% | 21.81% | +1,324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.98% | 0.92% | 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 | 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 | 13.72% | 13.54% | 13.47% | 13.70% | 13.74% | 12.75% | 12.60% | 12.51% | -119 bps | |
| Net Worth / Assets | 13.72% | 13.54% | 13.47% | 13.70% | 13.74% | 12.75% | 12.60% | 12.51% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.49% | 100.85% | 99.20% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |