Cleveland, OH · Charter 95821
NCUA · 2 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, 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=44). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
73
Profitability
19
Liquidity
5
Efficiency
7
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 95821
NCUA · 2 branches
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.07% | 0.03% | 0.00% | 0.08% | -0.01% | -0.05% | -0.44% | -43 bps | |
| Return on Equity | 0.11% | 0.55% | 0.23% | -0.04% | 0.63% | -0.05% | -0.41% | -3.41% | -337 bps | |
| Net Interest Margin | 3.32% | 3.34% | 3.29% | 3.24% | 3.26% | 3.28% | 3.41% | 3.53% | +29 bps | |
| Efficiency Ratio | 105.92% | 104.90% | 103.75% | 100.18% | 98.96% | 101.08% | 101.62% | 112.54% | +1,236 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.51% | -5.33% | -4.84% | -6.54% | -2.65% | -3.13% | -6.88% | -2.71% | +383 bps | |
| Loan Growth (YoY) | -5.10% | -2.08% | -2.65% | -2.59% | -1.31% | -4.23% | -5.82% | -6.60% | -401 bps | |
| Share Growth (YoY) | -3.38% | -6.26% | -5.50% | -4.70% | -3.62% | -4.28% | -5.64% | -3.96% | +74 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.24% | 0.32% | 0.16% | 0.22% | 0.24% | 0.39% | 0.26% | +10 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 | 12.33% | 12.34% | 12.32% | 12.68% | 12.73% | 12.71% | 13.17% | 12.87% | +19 bps | |
| Net Worth / Assets | 12.33% | 12.34% | 12.32% | 12.68% | 12.73% | 12.71% | 13.17% | 12.87% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.11% | 83.92% | 82.66% | 80.94% | 83.05% | 83.97% | 82.51% | 78.72% | -222 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 95821 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=44)
NCUA · 2 branches
Q1 2025
Return on Assets
-0.44%
Rank 42 of 44
Net Interest Margin
3.53%
Rank 24 of 44
Efficiency Ratio
112.41%
Rank 42 of 44
Equity / Assets
12.87%
Rank 19 of 44
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.44% | 0.17% | 0.50% | 0.93% | Beats 5% | 42 / 44 | ||
| Return on Equity | -3.43% | 1.08% | 3.74% | 6.78% | Beats 7% | 41 / 44 | ||
| Net Interest Margin | 3.53% | 3.29% | 3.58% | 4.33% | Beats 45% | 24 / 44 | ||
| Efficiency Ratio | 112.41% | 76.71% | 82.24% | 94.17% | Beats 7% | 42 / 44 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.25% | 0.21% | 0.59% | 1.43% | Beats 73% | 13 / 44 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.87% | 10.12% | 12.05% | 18.41% | Beats 57% | 19 / 44 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.87% | 10.12% | 12.05% | 18.41% | Beats 57% | 19 / 44 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.72% | 49.57% | 61.09% | 74.10% | 86th pctl | 6 / 44 | ||
| Loans / Assets | 68.75% | 39.54% | 50.08% | 64.92% | 91st pctl | 4 / 44 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||