PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Star

Elyria, OH · Charter 95008

NCUA · 2 branches

Q2 2026

$102.7MAssets
$68.3MLoans
$90.7MShares
$10.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.83%, up 2 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.55% of loans (-12 bps YoY).
  • Capital: net worth / assets of 9.73%, up 63 bps from a year ago.
  • Funding: loans stand at 75.29% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.83%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+6 bps YoY

Efficiency Ratio (YTD, annualized)

78.25%-51 bps YoY

Net Worth / Assets

9.73%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.58%0.89%0.81%1.02%0.88%0.97%0.83%+2 bps
Return on Equity5.97%6.49%9.80%8.90%10.78%9.39%10.17%8.56%-35 bps
Net Interest Margin2.95%3.06%3.30%3.35%3.41%3.44%3.33%3.41%+6 bps
Efficiency Ratio80.40%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 / Loans0.54%0.59%0.34%0.67%0.56%0.81%0.45%0.55%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.93%8.93%9.05%9.11%9.50%9.37%9.58%9.73%+63 bps
Net Worth / Assets8.93%8.93%9.05%9.11%9.50%9.37%9.58%9.73%+63 bps
Liquidity & Funding
Loans / Shares73.78%75.68%77.72%77.73%79.15%76.46%73.60%75.29%-243 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps