Massillon, OH · Charter 96750
NCUA · 3 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 (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
4
Asset Quality
71
Profitability
29
Liquidity
63
Efficiency
12
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.
Massillon, OH · Charter 96750
NCUA · 3 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 | 0.28% | 0.34% | 0.31% | 0.26% | 0.27% | 0.28% | 0.20% | 0.20% | -6 bps | |
| Return on Equity | 3.51% | 4.25% | 3.97% | 3.27% | 3.27% | 3.50% | 2.50% | 2.50% | -78 bps | |
| Net Interest Margin | 3.11% | 3.37% | 4.17% | 3.22% | 3.28% | 3.28% | 4.23% | 3.73% | +50 bps | |
| Efficiency Ratio | 92.20% | 91.42% | 93.09% | 91.60% | 92.14% | 91.58% | 94.33% | 93.69% | +208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.28% | -0.30% | 1.34% | 0.52% | 1.93% | 1.45% | 0.00% | 2.28% | +176 bps | |
| Loan Growth (YoY) | 0.12% | -1.00% | -2.26% | -4.02% | -3.83% | -2.48% | -4.77% | 2.84% | +686 bps | |
| Share Growth (YoY) | 0.24% | 1.21% | 3.22% | 2.31% | 1.64% | 1.15% | -0.30% | 2.25% | -6 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.24% | 0.20% | 0.20% | 0.24% | 0.46% | 0.35% | 0.32% | +12 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 | 7.96% | 7.97% | 7.84% | 8.02% | 8.10% | 8.14% | 8.10% | 8.08% | +7 bps | |
| Net Worth / Assets | 7.96% | 7.97% | 7.84% | 8.02% | 8.10% | 8.14% | 8.10% | 8.08% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.98% | 79.14% | 76.68% | 77.32% | 77.57% | 76.30% | 73.24% | 77.76% | +45 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Massillon, OH · Charter 96750 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.20%
Rank 1,387 of 1,683
Net Interest Margin
3.73%
Rank 918 of 1,683
Efficiency Ratio
93.67%
Rank 1,479 of 1,682
Equity / Assets
8.08%
Rank 1,615 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.20% | 0.35% | 0.74% | 1.18% | Beats 18% | 1,387 / 1,683 | ||
| Return on Equity | 2.50% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,293 / 1,681 | ||
| Net Interest Margin | 3.73% | 3.31% | 3.82% | 4.32% | Beats 45% | 918 / 1,683 | ||
| Efficiency Ratio | 93.67% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,479 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.26% | 0.65% | 1.29% | Beats 71% | 486 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.08% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,615 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.08% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,615 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.76% | 52.61% | 69.38% | 83.50% | 65th pctl | 582 / 1,683 | ||
| Loans / Assets | 71.27% | 44.71% | 59.18% | 70.72% | 76th pctl | 401 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||