Cleveland, OH · Charter 96660
NCUA · 2 branches
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
98
Asset Quality
1
Profitability
5
Liquidity
0
Efficiency
2
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.
Cleveland, OH · Charter 96660
NCUA · 2 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 | 0.22% | 0.22% | 0.14% | 0.35% | -0.33% | -0.50% | -1.82% | -0.83% | -118 bps | |
| Return on Equity | 0.76% | 0.73% | 0.45% | 1.09% | -0.99% | -1.47% | -5.23% | -2.49% | -358 bps | |
| Net Interest Margin | 2.72% | 2.70% | 2.53% | 2.52% | 2.54% | 2.47% | 2.84% | 2.00% | -52 bps | |
| Efficiency Ratio | 93.23% | 93.33% | 95.88% | 89.12% | 110.41% | 113.38% | 164.06% | 127.65% | +3,853 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.44% | -5.12% | -10.46% | -9.77% | -12.35% | -13.47% | -13.77% | -7.68% | +210 bps | |
| Loan Growth (YoY) | 48.12% | 9.73% | 1.86% | -20.33% | -23.87% | -26.89% | -34.81% | -27.04% | -671 bps | |
| Share Growth (YoY) | -9.15% | -7.37% | -14.42% | -13.74% | -17.26% | -18.55% | -18.88% | -10.12% | +362 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.90% | 1.30% | 0.30% | 6.52% | 6.64% | 7.98% | 7.55% | +724 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 | 2.62% | 1.79% | 1.91% | 1.05% | 0.85% | 1.53% | 1.67% | 1.58% | +53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.58% | 29.64% | 30.92% | 31.79% | 33.55% | 33.77% | 34.85% | 33.59% | +180 bps | |
| Net Worth / Assets | 29.58% | 29.64% | 30.92% | 31.79% | 33.55% | 33.77% | 34.85% | 33.59% | +180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.91% | 21.20% | 20.97% | 19.75% | 19.24% | 19.02% | 16.85% | 16.04% | -372 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cleveland, OH · Charter 96660 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.81%
Rank 1,599 of 1,683
Net Interest Margin
2.00%
Rank 1,656 of 1,683
Efficiency Ratio
126.83%
Rank 1,653 of 1,682
Equity / Assets
33.60%
Rank 32 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.81% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,599 / 1,683 | ||
| Return on Equity | -2.42% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,562 / 1,681 | ||
| Net Interest Margin | 2.00% | 3.31% | 3.82% | 4.32% | Beats 2% | 1,656 / 1,683 | ||
| Efficiency Ratio | 126.83% | 68.91% | 78.20% | 86.93% | Beats 2% | 1,653 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 7.64% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,664 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 33.60% | 10.44% | 12.89% | 16.53% | Beats 98% | 32 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 33.60% | 10.44% | 12.89% | 16.53% | Beats 98% | 32 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 16.06% | 52.61% | 69.38% | 83.50% | 1st pctl | 1,662 / 1,683 | ||
| Loans / Assets | 10.66% | 44.71% | 59.18% | 70.72% | 1st pctl | 1,668 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||