Painesville, OH · Charter 63679
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 | 1.31% | 1.72% | 1.16% | 1.39% | 1.21% | 1.27% | 0.12% | 0.35% | -104 bps | |
| Return on Equity | 9.11% | 11.39% | 7.71% | 8.78% | 7.70% | 7.83% | 0.71% | 2.26% | -651 bps | |
| Net Interest Margin | 3.97% | 4.02% | 3.98% | 4.21% | 4.07% | 4.10% | 3.87% | 3.71% | -50 bps | |
| Efficiency Ratio | 70.37% | 66.07% | 76.71% | 76.61% | 79.04% | 78.00% | 95.88% | 91.79% | +1,518 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.44% | 2.78% | 3.14% | 0.87% | 2.59% | 1.29% | -0.92% | 7.94% | +708 bps | |
| Loan Growth (YoY) | 21.19% | 17.42% | 7.39% | 0.83% | -0.92% | 2.29% | 1.08% | 0.39% | -44 bps | |
| Share Growth (YoY) | 0.89% | 0.70% | 2.40% | -0.21% | 1.19% | 1.10% | -2.31% | 8.20% | +842 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.30% | 0.14% | 0.51% | 0.60% | 0.24% | 0.32% | 0.32% | -19 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 | 14.42% | 15.13% | 15.10% | 15.83% | 15.68% | 16.20% | 16.24% | 15.38% | -45 bps | |
| Net Worth / Assets | 14.42% | 15.13% | 15.10% | 15.83% | 15.68% | 16.20% | 16.24% | 15.38% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.15% | 68.99% | 65.75% | 68.11% | 66.72% | 69.80% | 68.04% | 63.19% | -492 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |