Cardinal Credit Union, Inc.
Mentor, OH · Charter 68707 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 13 branches
Q2 2026
$365.7MAssets
$274.9MLoans
$325.6MShares
$36.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 38% of credit unions under $1B in assets in the Cleveland, OH area (rank 24 of 39).
- Widest gap: equity / assets trails 77% of credit unions under $1B in assets in the Cleveland, OH area (rank 30 of 39).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 | 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 |