Toledo, OH · Charter 68603
NCUA · 1 branch
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 | 0.93% | 1.78% | 1.79% | 2.00% | 1.86% | +94 bps | |
| Return on Equity | 2.05% | 3.82% | 3.77% | 4.18% | 3.90% | +185 bps | |
| Net Interest Margin | 5.06% | 5.23% | 5.18% | 4.97% | 4.88% | -18 bps | |
| Efficiency Ratio | 73.79% | 64.25% | 64.96% | 66.46% | 66.20% | -759 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.63% | 0.62% | 0.14% | 0.16% | -0.76% | -239 bps | |
| Loan Growth (YoY) | 3.34% | 7.10% | 4.09% | -0.95% | -10.98% | -1,432 bps | |
| Share Growth (YoY) | -7.50% | -10.06% | -10.54% | 1.71% | -1.59% | +591 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.95% | 5.95% | 5.14% | 1.82% | 2.79% | -316 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.84% | 9.00% | 8.87% | 9.84% | 10.31% | +146 bps | |
| Capital | |||||||
| Risk-Based Capital | 45.22% | 46.59% | 47.45% | 47.84% | 47.80% | +258 bps | |
| Net Worth / Assets | 45.22% | 46.59% | 47.45% | 47.84% | 47.80% | +258 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 129.79% | 136.65% | 134.87% | 124.66% | 117.41% | -1,238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |