Cheshire, OH · Charter 96737
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
53
Profitability
28
Liquidity
79
Efficiency
78
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.
Cheshire, OH · Charter 96737
NCUA · 1 branch
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 | 0.61% | 0.55% | 0.64% | 0.87% | 0.97% | 0.86% | 0.78% | 0.70% | -17 bps | |
| Return on Equity | 3.18% | 2.84% | 3.32% | 4.49% | 4.90% | 4.43% | 4.01% | 3.71% | -78 bps | |
| Net Interest Margin | 2.18% | 2.14% | 2.32% | 2.45% | 2.57% | 2.45% | 2.52% | 2.51% | +6 bps | |
| Efficiency Ratio | 72.36% | 74.73% | 72.77% | 64.87% | 62.69% | 64.98% | 66.49% | 67.25% | +238 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.11% | 2.33% | 0.18% | 1.53% | 1.32% | 4.32% | 3.77% | 6.70% | +517 bps | |
| Loan Growth (YoY) | -3.85% | -5.21% | -3.56% | -0.81% | -1.88% | 5.99% | 5.78% | 9.19% | +1,000 bps | |
| Share Growth (YoY) | 5.68% | 2.15% | -0.49% | 0.99% | 0.58% | 4.17% | 3.50% | 7.28% | +628 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.89% | 0.53% | 1.20% | 0.79% | 1.04% | 1.04% | 0.60% | -59 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 | 19.25% | 19.30% | 19.16% | 19.37% | 19.81% | 19.36% | 19.36% | 18.92% | -45 bps | |
| Net Worth / Assets | 19.25% | 19.30% | 19.16% | 19.37% | 19.81% | 19.36% | 19.36% | 18.92% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.15% | 61.38% | 59.43% | 61.73% | 62.58% | 62.45% | 60.74% | 62.83% | +110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cheshire, OH · Charter 96737 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.71%
Rank 874 of 1,683
Net Interest Margin
2.51%
Rank 1,614 of 1,683
Efficiency Ratio
67.33%
Rank 370 of 1,682
Equity / Assets
18.93%
Rank 274 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.35% | 0.74% | 1.18% | Beats 48% | 874 / 1,683 | ||
| Return on Equity | 3.73% | 2.67% | 5.89% | 8.74% | Beats 33% | 1,127 / 1,681 | ||
| Net Interest Margin | 2.51% | 3.31% | 3.82% | 4.32% | Beats 4% | 1,614 / 1,683 | ||
| Efficiency Ratio | 67.33% | 68.91% | 78.20% | 86.93% | Beats 78% | 370 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.60% | 0.26% | 0.65% | 1.29% | Beats 53% | 799 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.93% | 10.44% | 12.89% | 16.53% | Beats 84% | 274 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.93% | 10.44% | 12.89% | 16.53% | Beats 84% | 274 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.83% | 52.61% | 69.38% | 83.50% | 39th pctl | 1,022 / 1,683 | ||
| Loans / Assets | 50.83% | 44.71% | 59.18% | 70.72% | 35th pctl | 1,094 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||