Cleveland, OH · Charter 96706
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 in the Cleveland, OH area (n=39). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
10
Profitability
44
Liquidity
82
Efficiency
15
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 96706
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 | -0.19% | 0.49% | 0.16% | 0.04% | 0.11% | +30 bps | |
| Return on Equity | -0.64% | 1.61% | 0.53% | 0.13% | 0.38% | +102 bps | |
| Net Interest Margin | 5.76% | 5.95% | 5.74% | 5.33% | 5.34% | -41 bps | |
| Efficiency Ratio | 110.17% | 99.81% | 101.98% | 99.55% | 98.76% | -1,141 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.60% | -6.25% | -4.85% | -4.07% | -0.32% | +528 bps | |
| Loan Growth (YoY) | -16.46% | -17.25% | -7.69% | -7.91% | -8.46% | +800 bps | |
| Share Growth (YoY) | -3.79% | -4.47% | -4.56% | -2.09% | 0.60% | +439 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.99% | 7.19% | 4.70% | 8.02% | 4.92% | -407 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.83% | 30.79% | 30.78% | 30.10% | 28.65% | -118 bps | |
| Net Worth / Assets | 29.83% | 30.79% | 30.78% | 30.10% | 28.65% | -118 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.72% | 62.84% | 63.98% | 59.41% | 57.98% | -574 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cleveland, OH · Charter 96706 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 2 branches
Q2 2026
Return on Assets
0.11%
Rank 31 of 39
Net Interest Margin
5.34%
Rank 3 of 39
Efficiency Ratio
98.87%
Rank 34 of 39
Equity / Assets
28.65%
Rank 2 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.13% | 0.49% | 0.87% | Beats 21% | 31 / 39 | |
| Return on Equity | 0.39% | 1.01% | 4.09% | 7.61% | Beats 18% | 32 / 39 | |
| Net Interest Margin | 5.34% | 3.28% | 3.83% | 4.18% | Beats 92% | 3 / 39 | |
| Efficiency Ratio | 98.87% | 76.45% | 81.64% | 91.75% | Beats 15% | 34 / 39 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.92% | 0.15% | 0.61% | 1.88% | Beats 10% | 36 / 39 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 28.65% | 10.00% | 12.89% | 19.36% | Beats 95% | 2 / 39 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 28.65% | 10.00% | 12.89% | 19.36% | Beats 95% | 2 / 39 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.98% | 45.46% | 53.28% | 74.29% | 59th pctl | 16 / 39 | |
| Loans / Assets | 41.67% | 36.24% | 44.98% | 63.66% | 33rd pctl | 26 / 39 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||