PackageTrendsPeer
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Summit

Akron, OH · Charter 7182

NCUA · 2 branches

Q2 2026

$59.2MAssets
$31.9MLoans
$49.7MShares
$9.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.95%, down 27 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.56% of loans (+16 bps YoY).
  • Capital: net worth / assets of 15.55%, up 73 bps from a year ago.
  • Funding: loans stand at 64.15% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%-27 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+1 bps YoY

Efficiency Ratio (YTD, annualized)

78.40%+632 bps YoY

Net Worth / Assets

15.55%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.17%1.01%0.84%0.95%-27 bps
Return on Equity8.26%7.75%6.76%5.52%6.13%-213 bps
Net Interest Margin3.68%3.70%3.63%3.59%3.69%+1 bps
Efficiency Ratio72.08%73.48%76.65%80.50%78.40%+632 bps
Growth
Asset Growth (YoY)3.47%7.17%8.46%2.20%1.12%-235 bps
Loan Growth (YoY)-2.06%-2.22%-3.52%-2.94%-0.57%+149 bps
Share Growth (YoY)2.63%6.93%8.71%1.39%0.24%-239 bps
Asset Quality
Delinquent Loans / Loans0.40%0.34%0.44%0.41%0.56%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.82%15.04%14.91%15.16%15.55%+73 bps
Net Worth / Assets14.82%15.04%14.91%15.16%15.55%+73 bps
Liquidity & Funding
Loans / Shares64.67%64.67%61.87%61.98%64.15%-52 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps