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Towpath

Fairlawn, OH · Charter 96658

NCUA · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

36

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

49

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Towpath

Fairlawn, OH · Charter 96658

NCUA · 4 branches

Q2 2026

$214.9MAssets
$159.9MLoans
$190.0MShares
$24.6MNet 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 0.82%, up 15 bps year over year; NIM at 5.02%.
  • Asset quality: problem loans at 0.95% of loans (+16 bps YoY).
  • Capital: net worth / assets of 11.43%, up 35 bps from a year ago.
  • Funding: loans stand at 84.16% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%+15 bps YoY

Net Interest Margin (YTD, annualized)

5.02%+27 bps YoY

Efficiency Ratio (YTD, annualized)

78.71%-136 bps YoY

Net Worth / Assets

11.43%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.80%0.80%0.79%0.82%+15 bps
Return on Equity6.05%7.05%7.16%6.92%7.21%+116 bps
Net Interest Margin4.74%4.89%4.85%4.99%5.02%+27 bps
Efficiency Ratio80.07%78.11%77.77%77.51%78.71%-136 bps
Growth
Asset Growth (YoY)6.19%5.85%6.21%3.03%4.23%-196 bps
Loan Growth (YoY)8.88%8.60%10.12%7.44%10.24%+136 bps
Share Growth (YoY)6.47%5.67%5.76%2.54%3.90%-258 bps
Asset Quality
Delinquent Loans / Loans0.79%0.72%0.87%0.79%0.95%+16 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 Capital11.09%11.39%11.24%11.38%11.43%+35 bps
Net Worth / Assets11.09%11.39%11.24%11.38%11.43%+35 bps
Liquidity & Funding
Loans / Shares79.32%80.85%81.21%80.88%84.16%+485 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Towpath

Fairlawn, OH · Charter 96658 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 4 branches

Q2 2026

$214.9MAssets
$159.9MLoans
$190.0MShares
$24.6MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets (rank 140 of 1683).
  • Widest gap: nonperforming loans / loans trails 65% of credit unions under $1B in assets (rank 1086 of 1682).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.82%

Rank 758 of 1,683

Net Interest Margin

5.02%

Rank 140 of 1,683

Efficiency Ratio

78.71%

Rank 867 of 1,682

Equity / Assets

11.43%

Rank 1,084 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.82%0.35%0.74%1.18%Beats 55%758 / 1,683
Return on Equity7.21%2.67%5.89%8.74%Beats 63%620 / 1,681
Net Interest Margin5.02%3.31%3.82%4.32%Beats 92%140 / 1,683
Efficiency Ratio78.71%68.91%78.20%86.93%Beats 49%867 / 1,682
Asset Quality
Nonperforming Loans / Loans0.95%0.26%0.65%1.29%Beats 35%1,086 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.43%10.44%12.89%16.53%Beats 36%1,084 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.43%10.44%12.89%16.53%Beats 36%1,084 / 1,683
Liquidity & Funding
Loans / Deposits84.16%52.61%69.38%83.50%76th pctl398 / 1,683
Loans / Assets74.38%44.71%59.18%70.72%82nd pctl302 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution