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Painesville Credit Union

Painesville, OH · Charter 63679

NCUA · 1 branch

Q2 2026

$48.7MAssets
$25.8MLoans
$40.8MShares
$7.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.35%, down 104 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.32% of loans (-19 bps YoY).
  • Capital: net worth / assets of 15.38%, down 45 bps from a year ago.
  • Funding: loans stand at 63.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.35%-104 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-50 bps YoY

Efficiency Ratio (YTD, annualized)

91.79%+1,518 bps YoY

Net Worth / Assets

15.38%-45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.21%1.27%0.12%0.35%-104 bps
Return on Equity8.78%7.70%7.83%0.71%2.26%-651 bps
Net Interest Margin4.21%4.07%4.10%3.87%3.71%-50 bps
Efficiency Ratio76.61%79.04%78.00%95.88%91.79%+1,518 bps
Growth
Asset Growth (YoY)0.87%2.59%1.29%-0.92%7.94%+708 bps
Loan Growth (YoY)0.83%-0.92%2.29%1.08%0.39%-44 bps
Share Growth (YoY)-0.21%1.19%1.10%-2.31%8.20%+842 bps
Asset Quality
Delinquent Loans / Loans0.51%0.60%0.24%0.32%0.32%-19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.83%15.68%16.20%16.24%15.38%-45 bps
Net Worth / Assets15.83%15.68%16.20%16.24%15.38%-45 bps
Liquidity & Funding
Loans / Shares68.11%66.72%69.80%68.04%63.19%-492 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps