Toledo, OH · Charter 63100
NCUA · 3 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 | 0.26% | 0.27% | 0.64% | 0.63% | 0.52% | 0.63% | 1.17% | 0.85% | +22 bps | |
| Return on Equity | 2.34% | 2.41% | 5.87% | 5.62% | 4.60% | 5.52% | 10.23% | 7.30% | +168 bps | |
| Net Interest Margin | 2.50% | 2.54% | 2.79% | 2.88% | 2.92% | 2.95% | 2.93% | 3.03% | +15 bps | |
| Efficiency Ratio | 92.58% | 90.57% | 85.40% | 85.62% | 88.27% | 85.83% | 76.50% | 82.01% | -361 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.66% | -0.41% | -0.13% | 1.52% | 4.34% | 2.82% | 1.55% | 2.46% | +94 bps | |
| Loan Growth (YoY) | -1.30% | -5.33% | -5.32% | -4.51% | -5.62% | -2.43% | -3.44% | 0.14% | +465 bps | |
| Share Growth (YoY) | -2.94% | -1.89% | -0.41% | 1.25% | 4.48% | 2.52% | 0.89% | 1.62% | +38 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.90% | 0.71% | 0.52% | 0.80% | 0.60% | 0.70% | 0.89% | +37 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 | 11.32% | 11.14% | 10.93% | 11.17% | 11.25% | 11.41% | 11.46% | 11.58% | +41 bps | |
| Net Worth / Assets | 11.32% | 11.14% | 10.93% | 11.17% | 11.25% | 11.41% | 11.46% | 11.58% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.09% | 40.76% | 38.90% | 39.19% | 38.02% | 38.79% | 37.23% | 38.62% | -57 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |