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 | |