Cleveland, OH · Charter 66860
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Cleveland, OH area (n=39). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
82
Asset Quality
13
Profitability
41
Liquidity
0
Efficiency
10
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Cleveland, OH · Charter 66860
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 | 0.24% | 0.18% | 0.16% | 0.12% | 0.10% | 0.02% | 0.03% | 0.04% | -8 bps | |
| Return on Equity | 0.99% | 0.73% | 0.76% | 0.59% | 0.51% | 0.11% | 0.16% | 0.21% | -37 bps | |
| Net Interest Margin | 8.24% | 7.99% | 7.63% | 7.48% | 7.21% | 7.53% | 6.69% | 7.23% | -24 bps | |
| Efficiency Ratio | 86.38% | 85.87% | 110.59% | 109.08% | 106.10% | 105.48% | 103.45% | 101.43% | -765 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.50% | 6.11% | 2.75% | 4.86% | 3.62% | -3.91% | -3.00% | -7.52% | -1,238 bps | |
| Loan Growth (YoY) | 16.92% | 1.56% | -10.09% | -16.70% | -15.46% | -17.19% | -8.42% | -1.34% | +1,536 bps | |
| Share Growth (YoY) | 3.56% | 11.89% | 8.57% | 11.99% | 9.77% | 2.72% | -2.22% | -5.79% | -1,779 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.86% | 6.67% | 4.11% | 2.30% | 3.94% | 4.16% | 4.12% | 3.27% | +97 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 | 24.65% | 24.39% | 20.64% | 20.90% | 20.32% | 19.40% | 19.88% | 20.48% | -42 bps | |
| Net Worth / Assets | 24.65% | 24.39% | 20.64% | 20.90% | 20.32% | 19.40% | 19.88% | 20.48% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.16% | 92.99% | 82.12% | 77.20% | 72.52% | 74.96% | 76.91% | 80.84% | +365 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cleveland, OH · Charter 66860 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 2 branches
Q2 2026
Return on Assets
0.05%
Rank 34 of 39
Net Interest Margin
7.23%
Rank 1 of 39
Efficiency Ratio
101.48%
Rank 36 of 39
Equity / Assets
20.49%
Rank 7 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.05% | 0.13% | 0.49% | 0.87% | Beats 13% | 34 / 39 | ||
| Return on Equity | 0.22% | 1.01% | 4.09% | 7.61% | Beats 13% | 34 / 39 | ||
| Net Interest Margin | 7.23% | 3.28% | 3.83% | 4.18% | Beats 97% | 1 / 39 | ||
| Efficiency Ratio | 101.48% | 76.45% | 81.64% | 91.75% | Beats 10% | 36 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.28% | 0.15% | 0.61% | 1.88% | Beats 13% | 35 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.49% | 10.00% | 12.89% | 19.36% | Beats 82% | 7 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.49% | 10.00% | 12.89% | 19.36% | Beats 82% | 7 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.84% | 45.46% | 53.28% | 74.29% | 92nd pctl | 3 / 39 | ||
| Loans / Assets | 64.63% | 36.24% | 44.98% | 63.66% | 79th pctl | 8 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||