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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |