Willoughby, OH · Charter 61233
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
26
Asset Quality
26
Profitability
80
Liquidity
0
Efficiency
82
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.
Willoughby, OH · Charter 61233
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 | 0.39% | 0.43% | 0.65% | 0.77% | 0.73% | 0.79% | 0.93% | 1.09% | +31 bps | |
| Return on Equity | 4.01% | 4.76% | 6.92% | 8.03% | 7.44% | 7.95% | 9.50% | 10.65% | +263 bps | |
| Net Interest Margin | 2.99% | 2.89% | 3.37% | 3.54% | 3.68% | 3.73% | 4.01% | 4.04% | +49 bps | |
| Efficiency Ratio | 88.30% | 85.66% | 76.28% | 75.96% | 77.00% | 76.30% | 73.25% | 72.52% | -344 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.54% | -0.14% | 6.05% | 4.06% | 5.03% | -1.36% | 3.68% | 3.70% | -37 bps | |
| Loan Growth (YoY) | -4.63% | -9.85% | -14.49% | -12.57% | -7.40% | -2.81% | -3.93% | -8.14% | +443 bps | |
| Share Growth (YoY) | -11.71% | -2.53% | 4.07% | 1.94% | 3.75% | -3.18% | 2.60% | 3.07% | +113 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.82% | 0.99% | 1.10% | 1.30% | 1.14% | 1.44% | 1.89% | +79 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 | 9.66% | 9.08% | 9.33% | 9.64% | 9.88% | 9.96% | 9.80% | 10.20% | +56 bps | |
| Net Worth / Assets | 9.66% | 9.08% | 9.33% | 9.64% | 9.88% | 9.96% | 9.80% | 10.20% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.42% | 26.91% | 26.17% | 27.38% | 28.04% | 27.01% | 24.50% | 24.40% | -298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Willoughby, OH · Charter 61233 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 1 branch
Q2 2026
Return on Assets
1.09%
Rank 6 of 39
Net Interest Margin
4.03%
Rank 14 of 39
Efficiency Ratio
72.35%
Rank 8 of 39
Equity / Assets
10.20%
Rank 29 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.09% | 0.13% | 0.49% | 0.87% | Beats 85% | 6 / 39 | ||
| Return on Equity | 10.70% | 1.01% | 4.09% | 7.61% | Beats 92% | 3 / 39 | ||
| Net Interest Margin | 4.03% | 3.28% | 3.83% | 4.18% | Beats 64% | 14 / 39 | ||
| Efficiency Ratio | 72.35% | 76.45% | 81.64% | 91.75% | Beats 82% | 8 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.88% | 0.15% | 0.61% | 1.88% | Beats 26% | 30 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.20% | 10.00% | 12.89% | 19.36% | Beats 26% | 29 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.20% | 10.00% | 12.89% | 19.36% | Beats 26% | 29 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 24.40% | 45.46% | 53.28% | 74.29% | 5th pctl | 37 / 39 | ||
| Loans / Assets | 21.93% | 36.24% | 44.98% | 63.66% | 5th pctl | 37 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||