Cleveland, OH · Charter 62588
NCUA · 2 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 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
59
Asset Quality
36
Profitability
87
Liquidity
91
Efficiency
77
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.
Cleveland, OH · Charter 62588
NCUA · 2 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 | 1.56% | 1.24% | 1.61% | 1.66% | 1.88% | 1.63% | 0.85% | 1.23% | -43 bps | |
| Return on Equity | 13.05% | 11.10% | 13.33% | 13.64% | 14.78% | 12.42% | 6.55% | 9.10% | -455 bps | |
| Net Interest Margin | 4.53% | 4.19% | 4.54% | 4.50% | 4.63% | 4.68% | 4.51% | 4.68% | +17 bps | |
| Efficiency Ratio | 71.16% | 74.53% | 71.99% | 68.90% | 66.28% | 70.26% | 78.99% | 76.48% | +758 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.42% | 4.01% | -0.63% | 3.78% | 6.64% | -3.48% | 3.85% | -0.44% | -422 bps | |
| Loan Growth (YoY) | 4.47% | 2.30% | -0.34% | -2.28% | 0.99% | -1.95% | -2.33% | 1.22% | +350 bps | |
| Share Growth (YoY) | -7.84% | 2.79% | -2.33% | 2.48% | 5.60% | -5.45% | 2.95% | -1.91% | -439 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 1.84% | 0.59% | 1.60% | 0.42% | 0.44% | 1.76% | 1.26% | -34 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 | 11.96% | 11.20% | 12.05% | 12.13% | 12.69% | 13.15% | 12.92% | 13.48% | +135 bps | |
| Net Worth / Assets | 11.96% | 11.20% | 12.05% | 12.13% | 12.69% | 13.15% | 12.92% | 13.48% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.93% | 50.17% | 51.55% | 49.91% | 51.58% | 52.03% | 48.90% | 51.51% | +159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cleveland, OH · Charter 62588 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 2 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.23% | 0.13% | 0.49% | 0.87% | Beats 90% | 4 / 39 | ||
| Return on Equity | 9.10% | 1.01% | 4.09% | 7.61% | Beats 82% | 7 / 39 | ||
| Net Interest Margin | 4.68% | 3.28% | 3.83% | 4.18% | Beats 90% | 4 / 39 | ||
| Efficiency Ratio | 76.45% | 76.45% | 81.64% | 91.75% | Beats 77% | 10 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.26% | 0.15% | 0.61% | 1.88% | Beats 36% | 26 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.48% | 10.00% | 12.89% | 19.36% | Beats 59% | 16 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.48% | 10.00% | 12.89% | 19.36% | Beats 59% | 16 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.51% | 45.46% | 53.28% | 74.29% | 38th pctl | 24 / 39 | ||
| Loans / Assets | 44.02% | 36.24% | 44.98% | 63.66% | 44th pctl | 22 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||