Cleveland, OH · Charter 97078
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.31% | 0.23% | 0.34% | 0.49% | +21 bps | |
| Return on Equity | 3.08% | 3.18% | 2.39% | 3.52% | 4.93% | +185 bps | |
| Net Interest Margin | 3.42% | 3.68% | 3.71% | 3.87% | 4.15% | +73 bps | |
| Efficiency Ratio | 92.15% | 92.25% | 94.30% | 92.52% | 89.93% | -222 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.50% | 2.93% | 0.71% | -3.72% | -6.12% | -1,162 bps | |
| Loan Growth (YoY) | -11.87% | -11.74% | -5.05% | -4.35% | -1.26% | +1,061 bps | |
| Share Growth (YoY) | 5.91% | 1.87% | 0.47% | -4.38% | -7.09% | -1,300 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.05% | 9.67% | 9.52% | 9.57% | 9.93% | +88 bps | |
| Net Worth / Assets | 9.05% | 9.67% | 9.52% | 9.57% | 9.93% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |