Barberton, OH · Charter 616
NCUA · 5 branches
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
81
Profitability
60
Liquidity
54
Efficiency
62
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.
Barberton, OH · Charter 616
NCUA · 5 branches
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 | 0.80% | 0.71% | 0.44% | 1.25% | 1.44% | 1.38% | 1.45% | 1.00% | -26 bps | |
| Return on Equity | 5.70% | 5.17% | 3.33% | 9.44% | 10.55% | 10.15% | 10.65% | 7.53% | -191 bps | |
| Net Interest Margin | 4.00% | 3.99% | 3.99% | 3.93% | 3.95% | 3.93% | 3.89% | 3.81% | -12 bps | |
| Efficiency Ratio | 77.96% | 79.18% | 83.78% | 71.86% | 67.70% | 70.06% | 63.93% | 74.05% | +219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | -0.89% | 1.19% | 4.26% | 12.04% | 12.20% | 9.04% | 10.46% | +619 bps | |
| Loan Growth (YoY) | 8.77% | 2.58% | -3.77% | -5.68% | -5.41% | -3.33% | -2.21% | 4.44% | +1,012 bps | |
| Share Growth (YoY) | 0.91% | -0.86% | -0.98% | 0.41% | 9.69% | 8.92% | 9.94% | 13.26% | +1,285 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.33% | 0.47% | 0.16% | 0.29% | 0.11% | 0.42% | 0.17% | 0 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 | 14.02% | 13.80% | 13.12% | 13.27% | 13.66% | 13.63% | 13.65% | 13.24% | -3 bps | |
| Net Worth / Assets | 14.02% | 13.80% | 13.12% | 13.27% | 13.66% | 13.63% | 13.65% | 13.24% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.07% | 94.15% | 88.60% | 86.47% | 85.44% | 83.56% | 78.80% | 79.74% | -674 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Barberton, OH · Charter 616 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
1.00%
Rank 596 of 1,683
Net Interest Margin
3.81%
Rank 848 of 1,683
Efficiency Ratio
74.03%
Rank 637 of 1,682
Equity / Assets
13.24%
Rank 779 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.00% | 0.35% | 0.74% | 1.18% | Beats 65% | 596 / 1,683 | ||
| Return on Equity | 7.54% | 2.67% | 5.89% | 8.74% | Beats 66% | 578 / 1,681 | ||
| Net Interest Margin | 3.81% | 3.31% | 3.82% | 4.32% | Beats 50% | 848 / 1,683 | ||
| Efficiency Ratio | 74.03% | 68.91% | 78.20% | 86.93% | Beats 62% | 637 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.17% | 0.26% | 0.65% | 1.29% | Beats 81% | 314 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.24% | 10.44% | 12.89% | 16.53% | Beats 54% | 779 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.24% | 10.44% | 12.89% | 16.53% | Beats 54% | 779 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.74% | 52.61% | 69.38% | 83.50% | 69th pctl | 524 / 1,683 | ||
| Loans / Assets | 68.50% | 44.71% | 59.18% | 70.72% | 71st pctl | 496 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||