Mentor, OH · Charter 68707
NCUA · 13 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 in the Cleveland, OH area (n=39). 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
38
Profitability
32
Liquidity
0
Efficiency
36
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.
Mentor, OH · Charter 68707
NCUA · 13 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 | 0.09% | 0.01% | 0.10% | 0.11% | 0.12% | 0.10% | 0.12% | 0.32% | +21 bps | |
| Return on Equity | 0.79% | 0.07% | 0.89% | 1.03% | 1.10% | 1.00% | 1.14% | 3.20% | +216 bps | |
| Net Interest Margin | 3.37% | 3.33% | 3.34% | 3.36% | 3.40% | 3.22% | 3.42% | 3.37% | +1 bps | |
| Efficiency Ratio | 95.74% | 95.82% | 94.16% | 92.33% | 92.74% | 92.54% | 94.13% | 88.88% | -346 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.44% | 8.08% | 7.12% | 10.04% | 9.46% | 14.41% | 7.54% | 9.22% | -82 bps | |
| Loan Growth (YoY) | 2.57% | 13.16% | 12.71% | 11.38% | 9.78% | 2.90% | 4.70% | 9.13% | -225 bps | |
| Share Growth (YoY) | 6.67% | 8.32% | 8.55% | 11.99% | 11.20% | 11.97% | 8.14% | 9.88% | -211 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.64% | 0.63% | 0.74% | 1.05% | 0.86% | 0.78% | 1.11% | +37 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 | 11.67% | 11.37% | 10.84% | 10.69% | 10.70% | 10.04% | 10.18% | 10.00% | -70 bps | |
| Net Worth / Assets | 11.67% | 11.37% | 10.84% | 10.69% | 10.70% | 10.04% | 10.18% | 10.00% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.43% | 91.62% | 86.39% | 85.02% | 84.34% | 84.20% | 83.64% | 84.44% | -58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mentor, OH · Charter 68707 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 13 branches
Q2 2026
Return on Assets
0.32%
Rank 27 of 39
Net Interest Margin
3.37%
Rank 29 of 39
Efficiency Ratio
88.88%
Rank 26 of 39
Equity / Assets
10.00%
Rank 30 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.32% | 0.13% | 0.49% | 0.87% | Beats 31% | 27 / 39 | ||
| Return on Equity | 3.20% | 1.01% | 4.09% | 7.61% | Beats 38% | 24 / 39 | ||
| Net Interest Margin | 3.37% | 3.28% | 3.83% | 4.18% | Beats 26% | 29 / 39 | ||
| Efficiency Ratio | 88.88% | 76.45% | 81.64% | 91.75% | Beats 36% | 26 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.11% | 0.15% | 0.61% | 1.88% | Beats 38% | 25 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.00% | 10.00% | 12.89% | 19.36% | Beats 23% | 30 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.00% | 10.00% | 12.89% | 19.36% | Beats 23% | 30 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.44% | 45.46% | 53.28% | 74.29% | 97th pctl | 1 / 39 | ||
| Loans / Assets | 75.18% | 36.24% | 44.98% | 63.66% | 97th pctl | 1 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||