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Letter portraitLegal landscapeQuarterYTD

Cardinal Credit Union, Inc.

Mentor, OH · Charter 68707

NCUA · 13 branches

Q2 2026

$365.7MAssets
$274.9MLoans
$325.6MShares
$36.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.32%, up 21 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 1.11% of loans (+37 bps YoY).
  • Capital: net worth / assets of 10.00%, down 70 bps from a year ago.
  • Funding: loans stand at 84.44% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.32%+21 bps YoY

Net Interest Margin (quarter, annualized)

3.37%+1 bps YoY

Efficiency Ratio (quarter, annualized)

88.88%-346 bps YoY

Net Worth / Assets

10.00%-70 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.01%0.10%0.11%0.12%0.10%0.12%0.32%+21 bps
Return on Equity0.79%0.07%0.89%1.03%1.10%1.00%1.14%3.20%+216 bps
Net Interest Margin3.37%3.33%3.34%3.36%3.40%3.22%3.42%3.37%+1 bps
Efficiency Ratio95.74%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 / Loans0.79%0.64%0.63%0.74%1.05%0.86%0.78%1.11%+37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.67%11.37%10.84%10.69%10.70%10.04%10.18%10.00%-70 bps
Net Worth / Assets11.67%11.37%10.84%10.69%10.70%10.04%10.18%10.00%-70 bps
Liquidity & Funding
Loans / Shares85.43%91.62%86.39%85.02%84.34%84.20%83.64%84.44%-58 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps