PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

L. E. O.

Painesville, OH · Charter 66329

NCUA · 2 branches

Q2 2026

$10.4MAssets
$3.6MLoans
$7.9MShares
$2.5MNet 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 -0.73%, down 157 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 7.96% of loans (+260 bps YoY).
  • Capital: net worth / assets of 24.51%, up 95 bps from a year ago.
  • Funding: loans stand at 45.32% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.73%-157 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+6 bps YoY

Efficiency Ratio (YTD, annualized)

106.84%+1,707 bps YoY

Net Worth / Assets

24.51%+95 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.56%0.50%-1.82%-0.73%-157 bps
Return on Equity3.57%2.28%2.00%-7.45%-2.98%-655 bps
Net Interest Margin3.91%4.04%4.18%3.79%3.97%+6 bps
Efficiency Ratio89.77%92.17%89.06%115.97%106.84%+1,707 bps
Growth
Asset Growth (YoY)2.36%-1.97%-2.11%-5.83%-5.29%-765 bps
Loan Growth (YoY)-11.49%-10.15%-1.93%-3.81%-6.41%+508 bps
Share Growth (YoY)-0.39%-4.20%-4.71%-8.23%-6.87%-648 bps
Asset Quality
Delinquent Loans / Loans5.36%5.68%6.77%6.16%7.96%+260 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 Capital23.56%24.60%25.20%24.41%24.51%+95 bps
Net Worth / Assets23.56%24.60%25.20%24.41%24.51%+95 bps
Liquidity & Funding
Loans / Shares45.10%47.92%50.62%46.85%45.32%+22 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps