Maumee, OH · Charter 7064
NCUA · 12 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 Toledo, OH area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
44
Profitability
38
Liquidity
6
Efficiency
50
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.
Maumee, OH · Charter 7064
NCUA · 12 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.53% | 0.46% | 0.63% | 0.67% | +19 bps | |
| Return on Equity | 4.68% | 5.00% | 4.41% | 5.87% | 6.21% | +153 bps | |
| Net Interest Margin | 3.09% | 3.15% | 3.16% | 3.31% | 3.36% | +28 bps | |
| Efficiency Ratio | 84.76% | 83.71% | 85.04% | 83.57% | 82.33% | -243 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.87% | 1.95% | 1.49% | 1.03% | 0.56% | -331 bps | |
| Loan Growth (YoY) | 3.92% | 3.73% | 3.18% | 2.24% | 1.43% | -249 bps | |
| Share Growth (YoY) | 2.68% | 2.93% | 3.01% | 3.23% | 5.38% | +270 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.02% | 1.28% | 1.27% | 0.89% | 1.02% | 0 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.42% | 10.60% | 10.48% | 10.74% | 10.84% | +43 bps | |
| Net Worth / Assets | 10.42% | 10.60% | 10.48% | 10.74% | 10.84% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.51% | 91.03% | 89.75% | 87.00% | 86.15% | -335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Maumee, OH · Charter 7064 · Peer group: credit unions under $1B in assets in the Toledo, OH area (n=16)
NCUA · 12 branches
Q2 2026
Return on Assets
0.67%
Rank 10 of 16
Net Interest Margin
3.36%
Rank 12 of 16
Efficiency Ratio
82.33%
Rank 9 of 16
Equity / Assets
10.84%
Rank 11 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.42% | 0.79% | 1.25% | Beats 38% | 10 / 16 | |
| Return on Equity | 6.21% | 4.46% | 6.21% | 8.07% | Beats 50% | 8 / 16 | |
| Net Interest Margin | 3.36% | 3.36% | 3.61% | 4.01% | Beats 25% | 12 / 16 | |
| Efficiency Ratio | 82.33% | 73.52% | 82.33% | 89.54% | Beats 50% | 9 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.02% | 0.27% | 0.89% | 1.78% | Beats 44% | 10 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.84% | 10.18% | 11.33% | 14.76% | Beats 31% | 11 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.84% | 10.18% | 11.33% | 14.76% | Beats 31% | 11 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.15% | 46.01% | 53.43% | 81.29% | 81st pctl | 3 / 16 | |
| Loans / Assets | 76.61% | 40.62% | 46.48% | 59.08% | 88th pctl | 2 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||