Clyde, OH · Charter 68150
NCUA · 5 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
9
Asset Quality
64
Profitability
30
Liquidity
94
Efficiency
18
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.
Clyde, OH · Charter 68150
NCUA · 5 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 | 0.40% | 0.44% | 0.31% | 0.40% | 0.46% | 0.44% | 0.33% | 0.29% | -11 bps | |
| Return on Equity | 4.41% | 4.80% | 3.49% | 4.49% | 5.16% | 4.95% | 3.82% | 3.27% | -121 bps | |
| Net Interest Margin | 3.47% | 3.49% | 3.45% | 3.54% | 3.51% | 3.55% | 3.46% | 3.58% | +4 bps | |
| Efficiency Ratio | 89.70% | 88.11% | 89.01% | 87.74% | 86.11% | 86.07% | 89.95% | 89.70% | +196 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.86% | 4.54% | 5.44% | 7.19% | 8.77% | 8.09% | 6.89% | 5.70% | -150 bps | |
| Loan Growth (YoY) | -0.90% | 3.01% | 2.17% | 2.79% | 1.10% | -2.65% | 1.73% | 1.15% | -165 bps | |
| Share Growth (YoY) | 2.88% | 3.60% | 4.60% | 6.55% | 8.21% | 8.27% | 7.16% | 5.87% | -68 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.34% | 0.15% | 0.11% | 0.87% | 0.28% | 0.33% | 0.43% | +32 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 | 9.10% | 9.17% | 8.85% | 8.95% | 8.84% | 8.92% | 8.71% | 8.86% | -10 bps | |
| Net Worth / Assets | 9.10% | 9.17% | 8.85% | 8.95% | 8.84% | 8.92% | 8.71% | 8.86% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.58% | 74.56% | 69.35% | 70.61% | 67.81% | 67.04% | 65.83% | 67.46% | -315 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clyde, OH · Charter 68150 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.29%
Rank 1,320 of 1,683
Net Interest Margin
3.58%
Rank 1,054 of 1,683
Efficiency Ratio
89.71%
Rank 1,374 of 1,682
Equity / Assets
8.86%
Rank 1,525 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.29% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,320 / 1,683 | ||
| Return on Equity | 3.27% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,175 / 1,681 | ||
| Net Interest Margin | 3.58% | 3.31% | 3.82% | 4.32% | Beats 37% | 1,054 / 1,683 | ||
| Efficiency Ratio | 89.71% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,374 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.43% | 0.26% | 0.65% | 1.29% | Beats 64% | 605 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.86% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,525 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.86% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,525 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.46% | 52.61% | 69.38% | 83.50% | 46th pctl | 904 / 1,683 | ||
| Loans / Assets | 60.92% | 44.71% | 59.18% | 70.72% | 54th pctl | 773 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||