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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.35% | 0.74% | 1.18% | Beats 55% | 758 / 1,683 | | |
| Return on Equity | 7.21% | 2.67% | 5.89% | 8.74% | Beats 63% | 620 / 1,681 | | |
| Net Interest Margin | 5.02% | 3.31% | 3.82% | 4.32% | Beats 92% | 140 / 1,683 | | |
| Efficiency Ratio | 78.71% | 68.91% | 78.20% | 86.93% | Beats 49% | 867 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.95% | 0.26% | 0.65% | 1.29% | Beats 35% | 1,086 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.43% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,084 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.43% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,084 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.16% | 52.61% | 69.38% | 83.50% | 76th pctl | 398 / 1,683 | | |
| Loans / Assets | 74.38% | 44.71% | 59.18% | 70.72% | 82nd pctl | 302 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |