Massillon, OH · Charter 96652
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
12
Profitability
57
Liquidity
97
Efficiency
53
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.
Massillon, OH · Charter 96652
NCUA · 1 branch
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 | 0.64% | 0.49% | 0.34% | 0.40% | 0.46% | 0.36% | 0.98% | 0.87% | +47 bps | |
| Return on Equity | 4.97% | 4.07% | 2.95% | 3.42% | 3.98% | 3.10% | 8.01% | 7.52% | +409 bps | |
| Net Interest Margin | 3.79% | 3.52% | 3.32% | 3.44% | 3.41% | 3.45% | 3.80% | 3.56% | +12 bps | |
| Efficiency Ratio | 85.08% | 87.75% | 91.16% | 89.82% | 88.25% | 90.82% | 77.62% | 78.61% | -1,121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.67% | 0.72% | 11.61% | 10.64% | 15.05% | 6.51% | -0.27% | 7.49% | -315 bps | |
| Loan Growth (YoY) | 14.14% | -6.20% | -10.91% | 4.89% | -1.28% | 5.83% | 7.73% | -3.63% | -852 bps | |
| Share Growth (YoY) | -7.03% | 2.42% | 16.57% | 11.82% | 16.74% | 6.92% | -0.92% | 7.74% | -408 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.18% | 4.76% | 4.31% | 2.67% | 2.25% | 3.77% | 1.72% | 2.24% | -43 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 | 12.82% | 11.95% | 11.62% | 11.80% | 11.53% | 11.58% | 12.18% | 11.57% | -23 bps | |
| Net Worth / Assets | 12.82% | 11.95% | 11.62% | 11.80% | 11.53% | 11.58% | 12.18% | 11.57% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.94% | 75.11% | 69.75% | 78.33% | 72.67% | 74.34% | 75.85% | 70.06% | -827 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Massillon, OH · Charter 96652 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.94%
Rank 642 of 1,683
Net Interest Margin
3.61%
Rank 1,028 of 1,683
Efficiency Ratio
77.42%
Rank 799 of 1,682
Equity / Assets
11.56%
Rank 1,067 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.94% | 0.35% | 0.74% | 1.18% | Beats 62% | 642 / 1,683 | ||
| Return on Equity | 8.09% | 2.67% | 5.89% | 8.74% | Beats 70% | 496 / 1,681 | ||
| Net Interest Margin | 3.61% | 3.31% | 3.82% | 4.32% | Beats 39% | 1,028 / 1,683 | ||
| Efficiency Ratio | 77.42% | 68.91% | 78.20% | 86.93% | Beats 53% | 799 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.27% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,485 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.56% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,067 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.56% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,067 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.05% | 52.61% | 69.38% | 83.50% | 51st pctl | 825 / 1,683 | ||
| Loans / Assets | 61.90% | 44.71% | 59.18% | 70.72% | 56th pctl | 733 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||