Cleveland, OH · Charter 66860
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.10% | 0.02% | 0.03% | 0.04% | -8 bps | |
| Return on Equity | 0.59% | 0.51% | 0.11% | 0.16% | 0.21% | -37 bps | |
| Net Interest Margin | 7.48% | 7.21% | 7.53% | 6.69% | 7.23% | -24 bps | |
| Efficiency Ratio | 109.08% | 106.10% | 105.48% | 103.45% | 101.43% | -765 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.86% | 3.62% | -3.91% | -3.00% | -7.52% | -1,238 bps | |
| Loan Growth (YoY) | -16.70% | -15.46% | -17.19% | -8.42% | -1.34% | +1,536 bps | |
| Share Growth (YoY) | 11.99% | 9.77% | 2.72% | -2.22% | -5.79% | -1,779 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.90% | 20.32% | 19.40% | 19.88% | 20.48% | -42 bps | |
| Net Worth / Assets | 20.90% | 20.32% | 19.40% | 19.88% | 20.48% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |