Elyria, OH · Charter 95008
NCUA · 2 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 | 0.81% | 1.02% | 0.88% | 0.97% | 0.83% | +2 bps | |
| Return on Equity | 8.90% | 10.78% | 9.39% | 10.17% | 8.56% | -35 bps | |
| Net Interest Margin | 3.35% | 3.41% | 3.44% | 3.33% | 3.41% | +6 bps | |
| Efficiency Ratio | 78.76% | 75.37% | 76.29% | 76.28% | 78.25% | -51 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.24% | 2.67% | 3.51% | 2.78% | 1.49% | -275 bps | |
| Loan Growth (YoY) | 10.06% | 8.87% | 4.34% | -1.69% | -0.93% | -1,099 bps | |
| Share Growth (YoY) | 3.89% | 1.49% | 3.27% | 3.81% | 2.28% | -161 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.11% | 9.50% | 9.37% | 9.58% | 9.73% | +63 bps | |
| Net Worth / Assets | 9.11% | 9.50% | 9.37% | 9.58% | 9.73% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |