Lima, OH · Charter 9000
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
65
Profitability
35
Liquidity
80
Efficiency
20
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.
Lima, OH · Charter 9000
NCUA · 1 branch
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 | 2.20% | 2.34% | 1.42% | 1.08% | 0.92% | 1.20% | 0.26% | -1.10% | -218 bps | |
| Return on Equity | 7.95% | 7.43% | 4.56% | 3.42% | 2.89% | 3.65% | 0.79% | -3.32% | -674 bps | |
| Net Interest Margin | 5.97% | 6.48% | 5.39% | 5.36% | 5.24% | 5.34% | 5.06% | 5.35% | -1 bps | |
| Efficiency Ratio | 65.85% | 65.59% | 77.42% | 81.66% | 84.44% | 84.72% | 95.78% | 89.17% | +752 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.66% | -18.82% | -19.28% | -20.27% | -10.78% | -0.60% | -1.75% | -4.31% | +1,596 bps | |
| Loan Growth (YoY) | -7.45% | -6.66% | -6.76% | -11.70% | -13.14% | -12.89% | -9.89% | -8.85% | +285 bps | |
| Share Growth (YoY) | -10.41% | -27.18% | -27.27% | -28.30% | -15.89% | -2.61% | -3.92% | -6.53% | +2,177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.72% | 0.29% | 0.28% | 0.18% | 2.43% | 5.21% | 2.62% | 0.42% | +24 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 | 0.13% | 0.56% | 0.61% | 0.65% | 0.68% | 0.09% | 0.09% | 1.10% | +45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.63% | 31.49% | 31.16% | 31.59% | 31.76% | 32.88% | 32.57% | 33.12% | +154 bps | |
| Net Worth / Assets | 27.63% | 31.49% | 31.16% | 31.59% | 31.76% | 32.88% | 32.57% | 33.12% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.80% | 72.72% | 66.41% | 64.81% | 62.79% | 65.05% | 62.29% | 63.20% | -161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lima, OH · Charter 9000 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.11%
Rank 1,620 of 1,683
Net Interest Margin
5.34%
Rank 90 of 1,683
Efficiency Ratio
88.89%
Rank 1,343 of 1,682
Equity / Assets
33.12%
Rank 35 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.11% | 0.35% | 0.74% | 1.18% | Beats 4% | 1,620 / 1,683 | ||
| Return on Equity | -3.34% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,575 / 1,681 | ||
| Net Interest Margin | 5.34% | 3.31% | 3.82% | 4.32% | Beats 95% | 90 / 1,683 | ||
| Efficiency Ratio | 88.89% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,343 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.41% | 0.26% | 0.65% | 1.29% | Beats 65% | 584 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 33.12% | 10.44% | 12.89% | 16.53% | Beats 98% | 35 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 33.12% | 10.44% | 12.89% | 16.53% | Beats 98% | 35 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.20% | 52.61% | 69.38% | 83.50% | 40th pctl | 1,015 / 1,683 | ||
| Loans / Assets | 42.12% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,319 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||