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 | |