Toledo, OH · Charter 97053
NCUA · 2 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -1.18% | -0.57% | -1.30% | -1.00% | -0.50% | -0.33% | -2.28% | -97 bps | |
| Return on Equity | -1.58% | -10.33% | -4.92% | -11.35% | -8.60% | -4.45% | -3.15% | -22.41% | -1,106 bps | |
| Net Interest Margin | 3.20% | 3.38% | 3.45% | 3.74% | 3.82% | 3.67% | 3.82% | 3.95% | +21 bps | |
| Efficiency Ratio | 102.42% | 110.43% | 104.46% | 103.03% | 102.42% | 105.52% | 104.09% | 139.62% | +3,659 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.21% | -9.61% | -5.90% | -7.23% | -6.31% | -5.90% | -4.99% | -3.40% | +384 bps | |
| Loan Growth (YoY) | -7.01% | -9.24% | -10.69% | -12.54% | -11.17% | -10.63% | -10.72% | -13.09% | -55 bps | |
| Share Growth (YoY) | -13.57% | -10.40% | -6.28% | -4.75% | -6.08% | -5.82% | -3.85% | -2.17% | +258 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.17% | 1.21% | 0.28% | 0.54% | 0.36% | 0.35% | 0.26% | -2 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 | 11.86% | 11.38% | 11.66% | 11.49% | 11.64% | 11.26% | 10.59% | 10.16% | -134 bps | |
| Net Worth / Assets | 11.86% | 11.38% | 11.66% | 11.49% | 11.64% | 11.26% | 10.59% | 10.16% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.42% | 59.24% | 60.34% | 60.62% | 59.98% | 56.22% | 56.03% | 53.85% | -677 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |