PackageTrendsPeer
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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 (quarter, annualized)

0.82%+15 bps YoY

Net Interest Margin (quarter, annualized)

5.02%+27 bps YoY

Efficiency Ratio (quarter, annualized)

78.71%-136 bps YoY

Net Worth / Assets

11.43%+35 bps YoY

Discrete quarter, annualized.

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