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 | |