PackageTrendsPeer
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Maumee Valley

Toledo, OH · Charter 97053

NCUA · 2 branches

Q3 2025

$19.4MAssets
$9.4MLoans
$17.4MShares
$2.0MNet 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 -2.28%, down 97 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.26% of loans (-2 bps YoY).
  • Capital: net worth / assets of 10.16%, down 134 bps from a year ago.
  • Funding: loans stand at 53.85% of shares as of Q3 2025.

Financial Results

Return on Assets (quarter, annualized)

-2.28%-97 bps YoY

Net Interest Margin (quarter, annualized)

3.95%+21 bps YoY

Efficiency Ratio (quarter, annualized)

139.62%+3,659 bps YoY

Net Worth / Assets

10.16%-134 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets-1.30%-1.00%-0.50%-0.33%-2.28%-97 bps
Return on Equity-11.35%-8.60%-4.45%-3.15%-22.41%-1,106 bps
Net Interest Margin3.74%3.82%3.67%3.82%3.95%+21 bps
Efficiency Ratio103.03%102.42%105.52%104.09%139.62%+3,659 bps
Growth
Asset Growth (YoY)-7.23%-6.31%-5.90%-4.99%-3.40%+384 bps
Loan Growth (YoY)-12.54%-11.17%-10.63%-10.72%-13.09%-55 bps
Share Growth (YoY)-4.75%-6.08%-5.82%-3.85%-2.17%+258 bps
Asset Quality
Delinquent Loans / Loans0.28%0.54%0.36%0.35%0.26%-2 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 Capital11.49%11.64%11.26%10.59%10.16%-134 bps
Net Worth / Assets11.49%11.64%11.26%10.59%10.16%-134 bps
Liquidity & Funding
Loans / Shares60.62%59.98%56.22%56.03%53.85%-677 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps