Cleveland, OH · Charter 96706
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 | 0.13% | 1.17% | 0.16% | -0.19% | 0.49% | 0.16% | 0.04% | 0.11% | +30 bps | |
| Return on Equity | 0.43% | 3.77% | 0.54% | -0.64% | 1.61% | 0.53% | 0.13% | 0.38% | +102 bps | |
| Net Interest Margin | 4.93% | 4.59% | 5.96% | 5.76% | 5.95% | 5.74% | 5.33% | 5.34% | -41 bps | |
| Efficiency Ratio | 98.34% | 82.82% | 98.00% | 110.17% | 99.81% | 101.98% | 99.55% | 98.76% | -1,141 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.82% | -6.48% | -3.97% | -5.60% | -6.25% | -4.85% | -4.07% | -0.32% | +528 bps | |
| Loan Growth (YoY) | -7.89% | -15.50% | -16.10% | -16.46% | -17.25% | -7.69% | -7.91% | -8.46% | +800 bps | |
| Share Growth (YoY) | -17.47% | -5.13% | -4.64% | -3.79% | -4.47% | -4.56% | -2.09% | 0.60% | +439 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 17.35% | 9.65% | 6.75% | 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 | 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 | 29.39% | 31.15% | 30.21% | 29.83% | 30.79% | 30.78% | 30.10% | 28.65% | -118 bps | |
| Net Worth / Assets | 29.39% | 31.15% | 30.21% | 29.83% | 30.79% | 30.78% | 30.10% | 28.65% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.55% | 66.15% | 63.17% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |