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Cleveland Police

Cleveland, OH · Charter 62588

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Cleveland, OH area3

Basis

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.

Peer group

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.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

77

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cleveland Police

Cleveland, OH · Charter 62588

NCUA · 2 branches

Q2 2026

$42.2MAssets
$18.6MLoans
$36.1MShares
$5.7MNet 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 1.23%, down 43 bps year over year; NIM at 4.68%.
  • Asset quality: problem loans at 1.26% of loans (-34 bps YoY).
  • Capital: net worth / assets of 13.48%, up 135 bps from a year ago.
  • Funding: loans stand at 51.51% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%-43 bps YoY

Net Interest Margin (YTD, annualized)

4.68%+17 bps YoY

Efficiency Ratio (YTD, annualized)

76.48%+758 bps YoY

Net Worth / Assets

13.48%+135 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%1.88%1.63%0.85%1.23%-43 bps
Return on Equity13.64%14.78%12.42%6.55%9.10%-455 bps
Net Interest Margin4.50%4.63%4.68%4.51%4.68%+17 bps
Efficiency Ratio68.90%66.28%70.26%78.99%76.48%+758 bps
Growth
Asset Growth (YoY)3.78%6.64%-3.48%3.85%-0.44%-422 bps
Loan Growth (YoY)-2.28%0.99%-1.95%-2.33%1.22%+350 bps
Share Growth (YoY)2.48%5.60%-5.45%2.95%-1.91%-439 bps
Asset Quality
Delinquent Loans / Loans1.60%0.42%0.44%1.76%1.26%-34 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 Capital12.13%12.69%13.15%12.92%13.48%+135 bps
Net Worth / Assets12.13%12.69%13.15%12.92%13.48%+135 bps
Liquidity & Funding
Loans / Shares49.91%51.58%52.03%48.90%51.51%+159 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cleveland Police

Cleveland, OH · Charter 62588 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)

NCUA · 2 branches

Q2 2026

$42.2MAssets
$18.6MLoans
$36.1MShares
$5.7MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 90% of credit unions under $1B in assets in the Cleveland, OH area (rank 4 of 39).
  • Widest gap: nonperforming loans / loans trails 64% of credit unions under $1B in assets in the Cleveland, OH area (rank 26 of 39).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.23%

Rank 4 of 39

Net Interest Margin

4.68%

Rank 4 of 39

Efficiency Ratio

76.45%

Rank 10 of 39

Equity / Assets

13.48%

Rank 16 of 39

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.13%0.49%0.87%Beats 90%4 / 39
Return on Equity9.10%1.01%4.09%7.61%Beats 82%7 / 39
Net Interest Margin4.68%3.28%3.83%4.18%Beats 90%4 / 39
Efficiency Ratio76.45%76.45%81.64%91.75%Beats 77%10 / 39
Asset Quality
Nonperforming Loans / Loans1.26%0.15%0.61%1.88%Beats 36%26 / 39
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.48%10.00%12.89%19.36%Beats 59%16 / 39
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.48%10.00%12.89%19.36%Beats 59%16 / 39
Liquidity & Funding
Loans / Deposits51.51%45.46%53.28%74.29%38th pctl24 / 39
Loans / Assets44.02%36.24%44.98%63.66%44th pctl22 / 39
Brokered Deposits / Depositsn/aNot reported for this institution