Painesville, OH · Charter 66329
NCUA · 2 branches
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 | 0.03% | 0.76% | 0.96% | 0.84% | 0.56% | 0.50% | -1.82% | -0.73% | -157 bps | |
| Return on Equity | 0.14% | 3.16% | 4.12% | 3.57% | 2.28% | 2.00% | -7.45% | -2.98% | -655 bps | |
| Net Interest Margin | 3.78% | 3.84% | 4.21% | 3.91% | 4.04% | 4.18% | 3.79% | 3.97% | +6 bps | |
| Efficiency Ratio | 102.19% | 83.70% | 83.92% | 89.77% | 92.17% | 89.06% | 115.97% | 106.84% | +1,707 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.75% | 0.16% | 3.64% | 2.36% | -1.97% | -2.11% | -5.83% | -5.29% | -765 bps | |
| Loan Growth (YoY) | -15.53% | -17.38% | -14.83% | -11.49% | -10.15% | -1.93% | -3.81% | -6.41% | +508 bps | |
| Share Growth (YoY) | -0.32% | -3.37% | 1.51% | -0.39% | -4.20% | -4.71% | -8.23% | -6.87% | -648 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.48% | 4.11% | 2.93% | 5.36% | 5.68% | 6.77% | 6.16% | 7.96% | +260 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 | 23.75% | 24.23% | 23.23% | 23.56% | 24.60% | 25.20% | 24.41% | 24.51% | +95 bps | |
| Net Worth / Assets | 23.75% | 24.23% | 23.23% | 23.56% | 24.60% | 25.20% | 24.41% | 24.51% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.09% | 49.18% | 44.70% | 45.10% | 47.92% | 50.62% | 46.85% | 45.32% | +22 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |