PackageTrendsPeer
Letter portraitLegal landscape

Wiremen's

Parma, OH · Charter 96808

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Cleveland, OH area3

Basis

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.

Peer group

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.

Peer standing

Capital

69

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

87

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wiremen's

Parma, OH · Charter 96808

NCUA · 1 branch

Q2 2026

$40.6MAssets
$17.4MLoans
$33.5MShares
$6.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.07%, up 28 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.11% of loans (-9 bps YoY).
  • Capital: net worth / assets of 17.01%, down 47 bps from a year ago.
  • Funding: loans stand at 51.89% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+26 bps YoY

Efficiency Ratio (YTD, annualized)

69.88%-550 bps YoY

Net Worth / Assets

17.01%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.89%0.30%1.12%1.07%+28 bps
Return on Equity4.51%5.02%1.77%6.58%6.30%+179 bps
Net Interest Margin3.02%3.10%2.53%3.21%3.28%+26 bps
Efficiency Ratio75.38%73.16%86.78%68.04%69.88%-550 bps
Growth
Asset Growth (YoY)2.02%3.09%4.32%4.19%5.57%+355 bps
Loan Growth (YoY)3.11%6.11%5.42%2.76%0.35%-277 bps
Share Growth (YoY)2.35%3.27%4.62%4.32%6.05%+370 bps
Asset Quality
Delinquent Loans / Loans0.20%0.18%0.01%0.07%0.11%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.48%17.66%16.87%16.99%17.01%-47 bps
Net Worth / Assets17.48%17.66%16.87%16.99%17.01%-47 bps
Liquidity & Funding
Loans / Shares54.84%56.07%53.90%52.90%51.89%-295 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Wiremen's

Parma, OH · Charter 96808 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)

NCUA · 1 branch

Q2 2026

$40.6MAssets
$17.4MLoans
$33.5MShares
$6.9MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 87% of credit unions under $1B in assets in the Cleveland, OH area (rank 6 of 39).
  • Widest gap: net interest margin trails 77% of credit unions under $1B in assets in the Cleveland, OH area (rank 30 of 39).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.07%

Rank 7 of 39

Net Interest Margin

3.28%

Rank 30 of 39

Efficiency Ratio

69.85%

Rank 6 of 39

Equity / Assets

17.01%

Rank 12 of 39

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.13%0.49%0.87%Beats 82%7 / 39
Return on Equity6.31%1.01%4.09%7.61%Beats 72%11 / 39
Net Interest Margin3.28%3.28%3.83%4.18%Beats 23%30 / 39
Efficiency Ratio69.85%76.45%81.64%91.75%Beats 87%6 / 39
Asset Quality
Nonperforming Loans / Loans0.11%0.15%0.61%1.88%Beats 79%9 / 39
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.01%10.00%12.89%19.36%Beats 69%12 / 39
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.01%10.00%12.89%19.36%Beats 69%12 / 39
Liquidity & Funding
Loans / Deposits51.89%45.46%53.28%74.29%44th pctl22 / 39
Loans / Assets42.81%36.24%44.98%63.66%38th pctl24 / 39
Brokered Deposits / Depositsn/aNot reported for this institution