Cleveland, OH · Charter 96660
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | -0.33% | -0.50% | -1.82% | -0.83% | -118 bps | |
| Return on Equity | 1.09% | -0.99% | -1.47% | -5.23% | -2.49% | -358 bps | |
| Net Interest Margin | 2.52% | 2.54% | 2.47% | 2.84% | 2.00% | -52 bps | |
| Efficiency Ratio | 89.12% | 110.41% | 113.38% | 164.06% | 127.65% | +3,853 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.77% | -12.35% | -13.47% | -13.77% | -7.68% | +210 bps | |
| Loan Growth (YoY) | -20.33% | -23.87% | -26.89% | -34.81% | -27.04% | -671 bps | |
| Share Growth (YoY) | -13.74% | -17.26% | -18.55% | -18.88% | -10.12% | +362 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.05% | 0.85% | 1.53% | 1.67% | 1.58% | +53 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.79% | 33.55% | 33.77% | 34.85% | 33.59% | +180 bps | |
| Net Worth / Assets | 31.79% | 33.55% | 33.77% | 34.85% | 33.59% | +180 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |