PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

North Coast Credit Union

Fairview Park, OH · Charter 95786

NCUA · 2 branches

Q2 2026

$16.7MAssets
$7.2MLoans
$9.7MShares
$6.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.14%, down 38 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 2.45% of loans (+120 bps YoY).
  • Capital: net worth / assets of 41.45%, down 196 bps from a year ago.
  • Funding: loans stand at 74.99% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.14%-38 bps YoY

Net Interest Margin (YTD, annualized)

4.18%-50 bps YoY

Efficiency Ratio (YTD, annualized)

97.60%+754 bps YoY

Net Worth / Assets

41.45%-196 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.55%0.31%0.27%0.14%-38 bps
Return on Equity1.20%1.28%0.73%0.65%0.34%-86 bps
Net Interest Margin4.68%4.58%4.45%4.22%4.18%-50 bps
Efficiency Ratio90.06%89.92%92.77%100.10%97.60%+754 bps
Growth
Asset Growth (YoY)-3.27%-0.66%4.58%4.50%5.04%+831 bps
Loan Growth (YoY)-4.54%-6.53%-7.71%-5.36%-7.11%-256 bps
Share Growth (YoY)-6.65%-2.01%7.54%7.48%8.00%+1,465 bps
Asset Quality
Delinquent Loans / Loans1.24%1.39%1.19%1.71%2.45%+120 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital43.41%43.12%41.85%41.80%41.45%-196 bps
Net Worth / Assets43.41%43.12%41.85%41.80%41.45%-196 bps
Liquidity & Funding
Loans / Shares87.19%83.81%78.66%77.65%74.99%-1,220 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps