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Eaton Family

Euclid, OH · Charter 68354

NCUA · 5 branches

Q2 2026

$77.6MAssets
$56.0MLoans
$70.3MShares
$8.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.05%, down 2 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 3.04% of loans (+146 bps YoY).
  • Capital: net worth / assets of 10.62%, down 20 bps from a year ago.
  • Funding: loans stand at 79.71% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.05%-2 bps YoY

Net Interest Margin (quarter, annualized)

3.95%+17 bps YoY

Efficiency Ratio (quarter, annualized)

83.49%+968 bps YoY

Net Worth / Assets

10.62%-20 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.06%0.03%0.07%0.07%0.06%0.05%0.05%-2 bps
Return on Equity0.62%0.54%0.23%0.61%0.63%0.55%0.48%0.43%-18 bps
Net Interest Margin3.44%3.57%3.79%3.77%3.80%3.81%3.91%3.95%+17 bps
Efficiency Ratio78.88%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 / Loans2.33%1.49%1.28%1.58%2.47%2.27%2.16%3.04%+146 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.83%11.12%10.95%10.81%10.76%10.81%10.63%10.62%-20 bps
Net Worth / Assets10.83%11.12%10.95%10.81%10.76%10.81%10.63%10.62%-20 bps
Liquidity & Funding
Loans / Shares83.70%82.64%79.98%79.10%78.57%79.53%77.39%79.71%+61 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps