Cleveland, OH · Charter 95107
NCUA · 5 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
0
Asset Quality
74
Profitability
66
Liquidity
13
Efficiency
28
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.
Cleveland, OH · Charter 95107
NCUA · 5 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 | 0.71% | 0.70% | 0.28% | 0.35% | 0.45% | 0.52% | 0.30% | 0.49% | +15 bps | |
| Return on Equity | 8.89% | 8.66% | 3.54% | 4.36% | 5.50% | 6.34% | 3.69% | 5.87% | +151 bps | |
| Net Interest Margin | 4.00% | 4.05% | 4.01% | 4.09% | 4.19% | 4.22% | 4.21% | 4.33% | +24 bps | |
| Efficiency Ratio | 85.86% | 86.28% | 92.22% | 90.29% | 88.68% | 87.87% | 94.07% | 90.78% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.80% | -1.40% | 1.98% | 2.67% | 4.35% | 5.17% | 3.91% | 1.51% | -116 bps | |
| Loan Growth (YoY) | -2.59% | 1.69% | 8.18% | 10.52% | 12.47% | 8.52% | 3.49% | 1.21% | -931 bps | |
| Share Growth (YoY) | -4.96% | -1.98% | 1.55% | 3.35% | 4.46% | 4.96% | 3.73% | 1.17% | -217 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.32% | 0.18% | 0.10% | 0.11% | 0.13% | 0.09% | 0.18% | +8 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 | 7.99% | 8.13% | 7.92% | 7.93% | 8.11% | 8.21% | 8.10% | 8.36% | +43 bps | |
| Net Worth / Assets | 7.99% | 8.13% | 7.92% | 7.93% | 8.11% | 8.21% | 8.10% | 8.36% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.64% | 75.80% | 74.77% | 76.55% | 80.36% | 78.38% | 74.59% | 76.58% | +3 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cleveland, OH · Charter 95107 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 5 branches
Q2 2026
Return on Assets
0.49%
Rank 20 of 39
Net Interest Margin
4.33%
Rank 8 of 39
Efficiency Ratio
90.79%
Rank 29 of 39
Equity / Assets
8.36%
Rank 39 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.49% | 0.13% | 0.49% | 0.87% | Beats 49% | 20 / 39 | ||
| Return on Equity | 5.87% | 1.01% | 4.09% | 7.61% | Beats 69% | 12 / 39 | ||
| Net Interest Margin | 4.33% | 3.28% | 3.83% | 4.18% | Beats 79% | 8 / 39 | ||
| Efficiency Ratio | 90.79% | 76.45% | 81.64% | 91.75% | Beats 28% | 29 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.18% | 0.15% | 0.61% | 1.88% | Beats 74% | 12 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.36% | 10.00% | 12.89% | 19.36% | Beats 0% | 39 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.36% | 10.00% | 12.89% | 19.36% | Beats 0% | 39 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.58% | 45.46% | 53.28% | 74.29% | 85th pctl | 6 / 39 | ||
| Loans / Assets | 68.96% | 36.24% | 44.98% | 63.66% | 87th pctl | 5 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||