Independence, OH · Charter 61136
NCUA · 1 branch
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 under $1B in assets in the Cleveland, OH area (n=39). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
62
Profitability
45
Liquidity
72
Efficiency
33
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.
Independence, OH · Charter 61136
NCUA · 1 branch
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 | 0.36% | 0.55% | 0.91% | 0.97% | 0.99% | 0.93% | 0.49% | 0.50% | -47 bps | |
| Return on Equity | 1.32% | 2.10% | 3.44% | 3.59% | 3.59% | 3.36% | 1.80% | 1.88% | -172 bps | |
| Net Interest Margin | 4.24% | 4.07% | 4.19% | 4.28% | 4.33% | 4.28% | 3.89% | 3.83% | -45 bps | |
| Efficiency Ratio | 93.12% | 89.06% | 82.22% | 81.39% | 81.31% | 82.43% | 89.73% | 89.34% | +795 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.60% | 7.62% | 4.79% | 2.45% | 1.63% | -2.70% | 0.00% | 3.67% | +122 bps | |
| Loan Growth (YoY) | -10.28% | -14.97% | -17.73% | -20.67% | -20.35% | -21.13% | -23.05% | -24.60% | -393 bps | |
| Share Growth (YoY) | 1.53% | 9.73% | 5.68% | 2.22% | 0.70% | -4.90% | -1.11% | 4.09% | +187 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.30% | 0.31% | 0.29% | 0.28% | 0.32% | 0.26% | 0.52% | +23 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 | 27.04% | 25.98% | 26.42% | 27.11% | 27.65% | 27.63% | 27.23% | 26.83% | -28 bps | |
| Net Worth / Assets | 27.04% | 25.98% | 26.42% | 27.11% | 27.65% | 27.63% | 27.23% | 26.83% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.08% | 70.83% | 67.70% | 65.89% | 64.13% | 58.74% | 52.68% | 47.72% | -1,816 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Independence, OH · Charter 61136 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 1 branch
Q2 2026
Return on Assets
0.50%
Rank 19 of 39
Net Interest Margin
3.83%
Rank 18 of 39
Efficiency Ratio
89.33%
Rank 27 of 39
Equity / Assets
26.83%
Rank 3 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.50% | 0.13% | 0.49% | 0.87% | Beats 51% | 19 / 39 | ||
| Return on Equity | 1.88% | 1.01% | 4.09% | 7.61% | Beats 31% | 27 / 39 | ||
| Net Interest Margin | 3.83% | 3.28% | 3.83% | 4.18% | Beats 54% | 18 / 39 | ||
| Efficiency Ratio | 89.33% | 76.45% | 81.64% | 91.75% | Beats 33% | 27 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.15% | 0.61% | 1.88% | Beats 62% | 16 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.83% | 10.00% | 12.89% | 19.36% | Beats 92% | 3 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.83% | 10.00% | 12.89% | 19.36% | Beats 92% | 3 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.72% | 45.46% | 53.28% | 74.29% | 28th pctl | 28 / 39 | ||
| Loans / Assets | 34.88% | 36.24% | 44.98% | 63.66% | 21st pctl | 31 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||