Euclid, OH · Charter 68354
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 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
31
Asset Quality
15
Profitability
32
Liquidity
1
Efficiency
46
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.
Euclid, OH · Charter 68354
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 | 0.07% | 0.06% | 0.03% | 0.07% | 0.07% | 0.06% | 0.05% | 0.05% | -2 bps | |
| Return on Equity | 0.62% | 0.54% | 0.23% | 0.61% | 0.63% | 0.55% | 0.48% | 0.43% | -18 bps | |
| Net Interest Margin | 3.44% | 3.57% | 3.79% | 3.77% | 3.80% | 3.81% | 3.91% | 3.95% | +17 bps | |
| Efficiency Ratio | 78.88% | 76.37% | 70.80% | 73.81% | 75.85% | 77.36% | 85.95% | 83.49% | +968 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.07% | -4.49% | -3.54% | 0.09% | -0.21% | 1.94% | 2.12% | 0.92% | +83 bps | |
| Loan Growth (YoY) | 0.50% | -2.97% | -3.85% | -2.98% | -3.37% | -0.98% | -0.14% | 1.53% | +451 bps | |
| Share Growth (YoY) | 0.13% | -1.22% | -1.95% | 4.97% | 2.93% | 2.89% | 3.19% | 0.75% | -423 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.33% | 1.49% | 1.28% | 1.58% | 2.47% | 2.27% | 2.16% | 3.04% | +146 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 | 10.83% | 11.12% | 10.95% | 10.81% | 10.76% | 10.81% | 10.63% | 10.62% | -20 bps | |
| Net Worth / Assets | 10.83% | 11.12% | 10.95% | 10.81% | 10.76% | 10.81% | 10.63% | 10.62% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.70% | 82.64% | 79.98% | 79.10% | 78.57% | 79.53% | 77.39% | 79.71% | +61 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Euclid, OH · Charter 68354 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 5 branches
Q2 2026
Return on Assets
0.05%
Rank 33 of 39
Net Interest Margin
3.94%
Rank 16 of 39
Efficiency Ratio
83.54%
Rank 22 of 39
Equity / Assets
10.62%
Rank 27 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 15% | 33 / 39 | ||
| Return on Equity | 0.44% | 1.01% | 4.09% | 7.61% | Beats 21% | 31 / 39 | ||
| Net Interest Margin | 3.94% | 3.28% | 3.83% | 4.18% | Beats 59% | 16 / 39 | ||
| Efficiency Ratio | 83.54% | 76.45% | 81.64% | 91.75% | Beats 46% | 22 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.04% | 0.15% | 0.61% | 1.88% | Beats 15% | 34 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.62% | 10.00% | 12.89% | 19.36% | Beats 31% | 27 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.62% | 10.00% | 12.89% | 19.36% | Beats 31% | 27 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.71% | 45.46% | 53.28% | 74.29% | 87th pctl | 5 / 39 | ||
| Loans / Assets | 72.22% | 36.24% | 44.98% | 63.66% | 92nd pctl | 3 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||