Youngstown, OH · Charter 68587
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.02% | 0.96% | 1.07% | 1.12% | 1.14% | +13 bps | |
| Return on Equity | 10.25% | 9.67% | 10.54% | 11.16% | 11.13% | +88 bps | |
| Net Interest Margin | 3.08% | 3.11% | 3.17% | 3.22% | 3.24% | +16 bps | |
| Efficiency Ratio | 71.21% | 69.15% | 66.99% | 66.85% | 68.11% | -310 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.62% | 11.47% | 10.18% | 10.17% | 8.43% | -118 bps | |
| Loan Growth (YoY) | 42.26% | 44.06% | 32.43% | 21.75% | 12.99% | -2,927 bps | |
| Share Growth (YoY) | 9.66% | 12.16% | 10.40% | 10.00% | 8.12% | -154 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.92% | 9.97% | 10.16% | 10.06% | 10.26% | +35 bps | |
| Net Worth / Assets | 9.92% | 9.97% | 10.16% | 10.06% | 10.26% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |