Elyria, OH · Charter 95008
NCUA · 2 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 Cleveland, OH area (n=39). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
56
Profitability
61
Liquidity
17
Efficiency
72
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.
Elyria, OH · Charter 95008
NCUA · 2 branches
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 | 0.53% | 0.58% | 0.89% | 0.81% | 1.02% | 0.88% | 0.97% | 0.83% | +2 bps | |
| Return on Equity | 5.97% | 6.49% | 9.80% | 8.90% | 10.78% | 9.39% | 10.17% | 8.56% | -35 bps | |
| Net Interest Margin | 2.95% | 3.06% | 3.30% | 3.35% | 3.41% | 3.44% | 3.33% | 3.41% | +6 bps | |
| Efficiency Ratio | 80.40% | 79.64% | 77.29% | 78.76% | 75.37% | 76.29% | 76.28% | 78.25% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.16% | 3.08% | 3.03% | 4.24% | 2.67% | 3.51% | 2.78% | 1.49% | -275 bps | |
| Loan Growth (YoY) | 2.45% | 4.57% | 9.96% | 10.06% | 8.87% | 4.34% | -1.69% | -0.93% | -1,099 bps | |
| Share Growth (YoY) | 3.20% | 2.89% | 2.83% | 3.89% | 1.49% | 3.27% | 3.81% | 2.28% | -161 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.59% | 0.34% | 0.67% | 0.56% | 0.81% | 0.45% | 0.55% | -12 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.93% | 8.93% | 9.05% | 9.11% | 9.50% | 9.37% | 9.58% | 9.73% | +63 bps | |
| Net Worth / Assets | 8.93% | 8.93% | 9.05% | 9.11% | 9.50% | 9.37% | 9.58% | 9.73% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.78% | 75.68% | 77.72% | 77.73% | 79.15% | 76.46% | 73.60% | 75.29% | -243 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Elyria, OH · Charter 95008 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 2 branches
Q2 2026
Return on Assets
0.83%
Rank 11 of 39
Net Interest Margin
3.41%
Rank 27 of 39
Efficiency Ratio
78.28%
Rank 12 of 39
Equity / Assets
9.73%
Rank 33 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.83% | 0.13% | 0.49% | 0.87% | Beats 72% | 11 / 39 | ||
| Return on Equity | 8.56% | 1.01% | 4.09% | 7.61% | Beats 79% | 8 / 39 | ||
| Net Interest Margin | 3.41% | 3.28% | 3.83% | 4.18% | Beats 31% | 27 / 39 | ||
| Efficiency Ratio | 78.28% | 76.45% | 81.64% | 91.75% | Beats 72% | 12 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.15% | 0.61% | 1.88% | Beats 56% | 18 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.73% | 10.00% | 12.89% | 19.36% | Beats 15% | 33 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.73% | 10.00% | 12.89% | 19.36% | Beats 15% | 33 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.29% | 45.46% | 53.28% | 74.29% | 82nd pctl | 7 / 39 | ||
| Loans / Assets | 66.48% | 36.24% | 44.98% | 63.66% | 85th pctl | 6 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||