Avon Lake, OH · Charter 63177
NCUA · 1 branch
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
54
Asset Quality
100
Profitability
51
Liquidity
100
Efficiency
44
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.
Avon Lake, OH · Charter 63177
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 | 0.59% | 0.51% | 0.49% | 0.50% | 0.66% | 0.63% | 0.47% | 0.57% | +7 bps | |
| Return on Equity | 4.67% | 4.07% | 3.87% | 3.89% | 4.93% | 4.64% | 3.60% | 4.38% | +49 bps | |
| Net Interest Margin | 3.26% | 3.27% | 3.42% | 3.49% | 3.69% | 3.74% | 3.58% | 3.65% | +16 bps | |
| Efficiency Ratio | 83.61% | 85.88% | 87.42% | 86.31% | 83.50% | 86.18% | 88.06% | 83.69% | -261 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.99% | -3.44% | -6.16% | -1.90% | -1.36% | -2.82% | 2.31% | 3.25% | +516 bps | |
| Loan Growth (YoY) | -3.63% | -3.00% | 0.83% | 0.12% | -0.79% | 5.22% | -2.38% | -7.89% | -801 bps | |
| Share Growth (YoY) | -10.83% | -4.71% | -7.60% | -3.11% | -2.42% | -3.97% | 1.91% | 3.06% | +617 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.00% | 0.00% | 0.04% | 0.04% | 0.38% | 0.18% | 0.00% | -4 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 | 12.71% | 12.63% | 12.76% | 12.86% | 13.46% | 13.63% | 13.07% | 13.09% | +23 bps | |
| Net Worth / Assets | 12.71% | 12.63% | 12.76% | 12.86% | 13.46% | 13.63% | 13.07% | 13.09% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.99% | 56.77% | 57.69% | 59.61% | 59.98% | 62.20% | 55.26% | 53.28% | -633 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Avon Lake, OH · Charter 63177 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 1 branch
Q2 2026
Return on Assets
0.57%
Rank 18 of 39
Net Interest Margin
3.65%
Rank 22 of 39
Efficiency Ratio
83.93%
Rank 23 of 39
Equity / Assets
13.08%
Rank 18 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.57% | 0.13% | 0.49% | 0.87% | Beats 54% | 18 / 39 | ||
| Return on Equity | 4.34% | 1.01% | 4.09% | 7.61% | Beats 56% | 17 / 39 | ||
| Net Interest Margin | 3.65% | 3.28% | 3.83% | 4.18% | Beats 44% | 22 / 39 | ||
| Efficiency Ratio | 83.93% | 76.45% | 81.64% | 91.75% | Beats 44% | 23 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.15% | 0.61% | 1.88% | Beats 100% | 5 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.08% | 10.00% | 12.89% | 19.36% | Beats 54% | 18 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.08% | 10.00% | 12.89% | 19.36% | Beats 54% | 18 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.28% | 45.46% | 53.28% | 74.29% | 49th pctl | 20 / 39 | ||
| Loans / Assets | 46.01% | 36.24% | 44.98% | 63.66% | 54th pctl | 18 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||