North Canton, OH · Charter 96699
NCUA · 4 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, 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 in the Canton-Massillon, OH area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
80
Profitability
9
Liquidity
19
Efficiency
13
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.
North Canton, OH · Charter 96699
NCUA · 4 branches
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.34% | 0.23% | -0.19% | -0.19% | -0.20% | -0.32% | -0.06% | +12 bps | |
| Return on Equity | 3.30% | 2.49% | 1.69% | -1.33% | -1.36% | -1.38% | -2.22% | -0.46% | +88 bps | |
| Net Interest Margin | 2.63% | 2.54% | 2.42% | 2.12% | 2.13% | 2.20% | 2.15% | 2.14% | +2 bps | |
| Efficiency Ratio | 85.22% | 88.07% | 90.98% | 105.17% | 106.19% | 106.60% | 110.83% | 101.00% | -417 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.95% | -6.34% | -6.68% | -7.61% | -6.09% | -7.38% | -6.68% | -3.49% | +412 bps | |
| Loan Growth (YoY) | -1.34% | -0.07% | -4.28% | -2.69% | -5.72% | -4.67% | -3.53% | -5.79% | -309 bps | |
| Share Growth (YoY) | -11.35% | -11.53% | -11.24% | -10.98% | -3.31% | -5.78% | -5.22% | -1.54% | +944 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.06% | 0.06% | 0.06% | 0.08% | 0.06% | 0.10% | 0.10% | +3 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 | 13.37% | 13.72% | 13.64% | 13.95% | 14.12% | 14.60% | 14.27% | 14.14% | +19 bps | |
| Net Worth / Assets | 13.37% | 13.72% | 13.64% | 13.95% | 14.12% | 14.60% | 14.27% | 14.14% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.83% | 50.84% | 48.98% | 49.79% | 49.56% | 51.44% | 49.85% | 47.64% | -215 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
North Canton, OH · Charter 96699 · Peer group: credit unions under $1B in assets in the Canton-Massillon, OH area (n=15)
NCUA · 4 branches
Q1 2025
Return on Assets
-0.07%
Rank 13 of 15
Net Interest Margin
2.14%
Rank 15 of 15
Efficiency Ratio
101.01%
Rank 14 of 15
Equity / Assets
14.14%
Rank 5 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.07% | 0.29% | 0.59% | 0.77% | Beats 13% | 13 / 15 | ||
| Return on Equity | -0.46% | 2.45% | 4.85% | 7.71% | Beats 13% | 13 / 15 | ||
| Net Interest Margin | 2.14% | 3.43% | 4.12% | 4.53% | Beats 0% | 15 / 15 | ||
| Efficiency Ratio | 101.01% | 70.71% | 81.79% | 93.07% | Beats 13% | 14 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.10% | 0.55% | 1.14% | Beats 80% | 4 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.14% | 9.96% | 11.62% | 14.41% | Beats 67% | 5 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.14% | 9.96% | 11.65% | 14.41% | Beats 67% | 5 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.64% | 49.19% | 65.72% | 76.68% | 13th pctl | 13 / 15 | ||
| Loans / Assets | 42.30% | 43.03% | 57.36% | 65.59% | 13th pctl | 13 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||