Garfield Hts, OH · Charter 97077
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 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.
Capital
8
Asset Quality
31
Profitability
25
Liquidity
57
Efficiency
23
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.
Garfield Hts, OH · Charter 97077
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 | -0.19% | -0.12% | -0.34% | -0.17% | -0.08% | -0.96% | -0.55% | -0.51% | -34 bps | |
| Return on Equity | -1.79% | -1.22% | -3.52% | -1.70% | -0.80% | -10.35% | -6.10% | -5.74% | -403 bps | |
| Net Interest Margin | 4.18% | 4.06% | 3.85% | 4.01% | 4.24% | 4.23% | 4.11% | 4.09% | +8 bps | |
| Efficiency Ratio | 89.86% | 89.88% | 100.43% | 93.16% | 93.16% | 108.51% | 91.29% | 92.49% | -66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.28% | -2.59% | -0.41% | -0.27% | -1.88% | -5.00% | -6.17% | -3.89% | -362 bps | |
| Loan Growth (YoY) | -11.33% | -3.73% | -3.55% | 0.17% | -0.58% | -7.93% | -2.23% | -6.27% | -644 bps | |
| Share Growth (YoY) | -6.63% | -2.47% | -0.82% | -0.73% | -3.06% | -5.52% | -5.43% | -2.66% | -193 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 1.34% | 1.43% | 2.52% | 2.18% | 1.84% | 0.71% | 1.66% | -86 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 | 10.49% | 9.94% | 9.69% | 9.83% | 10.37% | 9.24% | 9.06% | 8.86% | -98 bps | |
| Net Worth / Assets | 10.49% | 9.94% | 9.69% | 9.83% | 10.37% | 9.24% | 9.06% | 8.86% | -98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.19% | 68.71% | 65.38% | 67.18% | 68.91% | 66.96% | 67.59% | 64.69% | -249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Garfield Hts, OH · Charter 97077 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.51%
Rank 37 of 39
Net Interest Margin
4.09%
Rank 12 of 39
Efficiency Ratio
92.44%
Rank 31 of 39
Equity / Assets
8.86%
Rank 36 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.51% | 0.13% | 0.49% | 0.87% | Beats 5% | 37 / 39 | ||
| Return on Equity | -5.73% | 1.01% | 4.09% | 7.61% | Beats 0% | 39 / 39 | ||
| Net Interest Margin | 4.09% | 3.28% | 3.83% | 4.18% | Beats 69% | 12 / 39 | ||
| Efficiency Ratio | 92.44% | 76.45% | 81.64% | 91.75% | Beats 23% | 31 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.65% | 0.15% | 0.61% | 1.88% | Beats 31% | 28 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.86% | 10.00% | 12.89% | 19.36% | Beats 8% | 36 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.86% | 10.00% | 12.89% | 19.36% | Beats 8% | 36 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.69% | 45.46% | 53.28% | 74.29% | 64th pctl | 14 / 39 | ||
| Loans / Assets | 57.84% | 36.24% | 44.98% | 63.66% | 67th pctl | 13 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||