PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Geauga

Burton, OH · Charter 61220

NCUA · 2 branches

Q1 2026

$107.6MAssets
$73.9MLoans
$96.3MShares
$10.8MNet 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 2.01%, up 150 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 4.49% of loans (+233 bps YoY).
  • Capital: net worth / assets of 10.00%, up 23 bps from a year ago.
  • Funding: loans stand at 76.72% of shares as of Q1 2026.

Financial Results

Return on Assets (quarter, annualized)

2.01%+150 bps YoY

Net Interest Margin (quarter, annualized)

3.23%+104 bps YoY

Efficiency Ratio (quarter, annualized)

38.57%-4,094 bps YoY

Net Worth / Assets

10.00%+23 bps YoY

Discrete quarter, annualized.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.06%0.64%0.82%2.01%+150 bps
Return on Equity5.28%0.70%7.05%8.69%20.15%+1,487 bps
Net Interest Margin2.19%1.63%3.19%3.27%3.23%+104 bps
Efficiency Ratio79.51%96.55%49.94%52.11%38.57%-4,094 bps
Growth
Asset Growth (YoY)34.36%38.67%30.13%18.63%11.20%-2,317 bps
Loan Growth (YoY)3.40%6.68%9.33%12.42%14.46%+1,105 bps
Share Growth (YoY)37.87%42.99%32.90%19.22%10.56%-2,731 bps
Asset Quality
Delinquent Loans / Loans2.16%5.35%3.73%3.51%4.49%+233 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 Capital9.77%9.14%9.07%9.47%10.00%+23 bps
Net Worth / Assets9.77%9.14%9.07%9.47%10.00%+23 bps
Liquidity & Funding
Loans / Shares74.10%69.98%71.04%74.88%76.72%+261 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps