Avon Lake, OH · Charter 63177
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.66% | 0.63% | 0.47% | 0.57% | +7 bps | |
| Return on Equity | 3.89% | 4.93% | 4.64% | 3.60% | 4.38% | +49 bps | |
| Net Interest Margin | 3.49% | 3.69% | 3.74% | 3.58% | 3.65% | +16 bps | |
| Efficiency Ratio | 86.31% | 83.50% | 86.18% | 88.06% | 83.69% | -261 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.90% | -1.36% | -2.82% | 2.31% | 3.25% | +516 bps | |
| Loan Growth (YoY) | 0.12% | -0.79% | 5.22% | -2.38% | -7.89% | -801 bps | |
| Share Growth (YoY) | -3.11% | -2.42% | -3.97% | 1.91% | 3.06% | +617 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.86% | 13.46% | 13.63% | 13.07% | 13.09% | +23 bps | |
| Net Worth / Assets | 12.86% | 13.46% | 13.63% | 13.07% | 13.09% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |