Youngstown, OH · Charter 68587
NCUA · 4 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
23
Asset Quality
72
Profitability
61
Liquidity
0
Efficiency
76
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.
Youngstown, OH · Charter 68587
NCUA · 4 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 | 0.73% | 0.83% | 1.02% | 1.02% | 0.96% | 1.07% | 1.12% | 1.14% | +13 bps | |
| Return on Equity | 7.22% | 8.29% | 10.27% | 10.25% | 9.67% | 10.54% | 11.16% | 11.13% | +88 bps | |
| Net Interest Margin | 2.71% | 2.74% | 2.95% | 3.08% | 3.11% | 3.17% | 3.22% | 3.24% | +16 bps | |
| Efficiency Ratio | 76.15% | 73.24% | 71.05% | 71.21% | 69.15% | 66.99% | 66.85% | 68.11% | -310 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.36% | 4.68% | 7.85% | 9.62% | 11.47% | 10.18% | 10.17% | 8.43% | -118 bps | |
| Loan Growth (YoY) | 1.07% | 11.74% | 30.31% | 42.26% | 44.06% | 32.43% | 21.75% | 12.99% | -2,927 bps | |
| Share Growth (YoY) | 1.62% | 4.15% | 7.94% | 9.66% | 12.16% | 10.40% | 10.00% | 8.12% | -154 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.33% | 0.31% | 0.29% | 0.20% | 0.24% | 0.39% | 0.30% | +1 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 | 10.05% | 10.02% | 9.90% | 9.92% | 9.97% | 10.16% | 10.06% | 10.26% | +35 bps | |
| Net Worth / Assets | 10.05% | 10.02% | 9.90% | 9.92% | 9.97% | 10.16% | 10.06% | 10.26% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.65% | 79.77% | 86.89% | 94.25% | 95.88% | 95.69% | 96.17% | 98.50% | +425 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Youngstown, OH · Charter 68587 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.14%
Rank 462 of 1,683
Net Interest Margin
3.24%
Rank 1,314 of 1,683
Efficiency Ratio
68.10%
Rank 399 of 1,682
Equity / Assets
10.26%
Rank 1,293 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.14% | 0.35% | 0.74% | 1.18% | Beats 73% | 462 / 1,683 | ||
| Return on Equity | 11.13% | 2.67% | 5.89% | 8.74% | Beats 88% | 195 / 1,681 | ||
| Net Interest Margin | 3.24% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,314 / 1,683 | ||
| Efficiency Ratio | 68.10% | 68.91% | 78.20% | 86.93% | Beats 76% | 399 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.26% | 0.65% | 1.29% | Beats 72% | 464 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.26% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,293 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.26% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,293 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.50% | 52.61% | 69.38% | 83.50% | 96th pctl | 69 / 1,683 | ||
| Loans / Assets | 88.07% | 44.71% | 59.18% | 70.72% | 99th pctl | 15 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||