Lakewood, OH · Charter 62822
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 | 0.47% | 0.44% | 0.52% | 0.53% | 0.55% | 0.47% | 0.48% | 0.40% | -13 bps | |
| Return on Equity | 2.58% | 2.39% | 2.84% | 2.84% | 2.92% | 2.52% | 2.48% | 1.96% | -88 bps | |
| Net Interest Margin | 2.11% | 2.13% | 2.15% | 2.16% | 2.15% | 2.11% | 2.02% | 2.13% | -3 bps | |
| Efficiency Ratio | 78.09% | 79.80% | 77.95% | 76.67% | 75.32% | 78.41% | 79.01% | 81.70% | +502 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.92% | -1.27% | -0.55% | -1.82% | -0.35% | 0.71% | -1.43% | -6.35% | -453 bps | |
| Loan Growth (YoY) | -7.31% | -5.11% | -6.35% | -6.16% | -3.25% | -6.91% | -8.52% | -8.91% | -275 bps | |
| Share Growth (YoY) | -7.63% | -2.09% | -1.29% | -2.87% | -1.06% | 0.30% | -2.31% | -8.29% | -542 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 | 18.24% | 18.36% | 18.41% | 18.63% | 18.80% | 18.70% | 19.14% | 20.31% | +169 bps | |
| Net Worth / Assets | 18.24% | 18.36% | 18.41% | 18.63% | 18.80% | 18.70% | 19.14% | 20.31% | +169 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.59% | 77.66% | 75.67% | 75.37% | 74.90% | 72.08% | 70.86% | 74.86% | -51 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |