Fairlawn, OH · Charter 96658
NCUA · 4 branches
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 | 0.49% | 0.51% | 0.56% | 0.67% | 0.80% | 0.80% | 0.79% | 0.82% | +15 bps | |
| Return on Equity | 4.35% | 4.56% | 5.12% | 6.05% | 7.05% | 7.16% | 6.92% | 7.21% | +116 bps | |
| Net Interest Margin | 4.46% | 4.46% | 4.63% | 4.74% | 4.89% | 4.85% | 4.99% | 5.02% | +27 bps | |
| Efficiency Ratio | 82.82% | 82.23% | 83.21% | 80.07% | 78.11% | 77.77% | 77.51% | 78.71% | -136 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.16% | 0.18% | 4.14% | 6.19% | 5.85% | 6.21% | 3.03% | 4.23% | -196 bps | |
| Loan Growth (YoY) | 3.15% | 4.04% | 7.23% | 8.88% | 8.60% | 10.12% | 7.44% | 10.24% | +136 bps | |
| Share Growth (YoY) | -1.76% | 0.12% | 4.21% | 6.47% | 5.67% | 5.76% | 2.54% | 3.90% | -258 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.94% | 0.85% | 0.79% | 0.72% | 0.87% | 0.79% | 0.95% | +16 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 | 11.36% | 11.18% | 10.93% | 11.09% | 11.39% | 11.24% | 11.38% | 11.43% | +35 bps | |
| Net Worth / Assets | 11.36% | 11.18% | 10.93% | 11.09% | 11.39% | 11.24% | 11.38% | 11.43% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.67% | 77.99% | 77.20% | 79.32% | 80.85% | 81.21% | 80.88% | 84.16% | +485 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |