Cleveland, OH · Charter 97078
NCUA · 3 branches
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
21
Asset Quality
85
Profitability
61
Liquidity
8
Efficiency
31
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.
Cleveland, OH · Charter 97078
NCUA · 3 branches
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 | 0.39% | 0.35% | 0.15% | 0.28% | 0.31% | 0.23% | 0.34% | 0.49% | +21 bps | |
| Return on Equity | 4.05% | 3.76% | 1.66% | 3.08% | 3.18% | 2.39% | 3.52% | 4.93% | +185 bps | |
| Net Interest Margin | 3.42% | 3.35% | 3.30% | 3.42% | 3.68% | 3.71% | 3.87% | 4.15% | +73 bps | |
| Efficiency Ratio | 88.46% | 88.96% | 94.25% | 92.15% | 92.25% | 94.30% | 92.52% | 89.93% | -222 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.38% | -6.71% | 2.26% | 5.50% | 2.93% | 0.71% | -3.72% | -6.12% | -1,162 bps | |
| Loan Growth (YoY) | -11.41% | -11.06% | -12.34% | -11.87% | -11.74% | -5.05% | -4.35% | -1.26% | +1,061 bps | |
| Share Growth (YoY) | -13.26% | -7.13% | 2.92% | 5.91% | 1.87% | 0.47% | -4.38% | -7.09% | -1,300 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.03% | 0.04% | 0.00% | 0.03% | 0.02% | 0.06% | 0.07% | +7 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 | 9.69% | 9.40% | 8.99% | 9.05% | 9.67% | 9.52% | 9.57% | 9.93% | +88 bps | |
| Net Worth / Assets | 9.69% | 9.40% | 8.99% | 9.05% | 9.67% | 9.52% | 9.57% | 9.93% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.45% | 37.07% | 33.26% | 33.08% | 34.18% | 35.03% | 33.27% | 35.15% | +208 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cleveland, OH · Charter 97078 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 3 branches
Q2 2026
Return on Assets
0.48%
Rank 21 of 39
Net Interest Margin
4.14%
Rank 11 of 39
Efficiency Ratio
90.02%
Rank 28 of 39
Equity / Assets
9.93%
Rank 31 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.48% | 0.13% | 0.49% | 0.87% | Beats 46% | 21 / 39 | ||
| Return on Equity | 4.88% | 1.01% | 4.09% | 7.61% | Beats 64% | 14 / 39 | ||
| Net Interest Margin | 4.14% | 3.28% | 3.83% | 4.18% | Beats 72% | 11 / 39 | ||
| Efficiency Ratio | 90.02% | 76.45% | 81.64% | 91.75% | Beats 31% | 28 / 39 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.15% | 0.61% | 1.88% | Beats 85% | 7 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.93% | 10.00% | 12.89% | 19.36% | Beats 21% | 31 / 39 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.93% | 10.00% | 12.89% | 19.36% | Beats 21% | 31 / 39 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 35.15% | 45.46% | 53.28% | 74.29% | 10th pctl | 35 / 39 | ||
| Loans / Assets | 31.35% | 36.24% | 44.98% | 63.66% | 13th pctl | 34 / 39 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||