Elyria, OH · Charter 97094
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
38
Asset Quality
44
Profitability
47
Liquidity
54
Efficiency
56
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.
Elyria, OH · Charter 97094
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 | 0.67% | 0.81% | 0.68% | 0.54% | 0.65% | -2 bps | |
| Return on Equity | 5.66% | 6.74% | 5.78% | 4.66% | 5.81% | +16 bps | |
| Net Interest Margin | 3.56% | 3.54% | 3.46% | 3.25% | 3.16% | -40 bps | |
| Efficiency Ratio | 78.09% | 76.16% | 78.62% | 83.52% | 80.91% | +282 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.63% | 9.55% | 10.55% | 9.16% | 11.73% | +210 bps | |
| Loan Growth (YoY) | 11.76% | 16.65% | 13.00% | 8.84% | 7.45% | -431 bps | |
| Share Growth (YoY) | 9.09% | 9.43% | 9.37% | 8.30% | 5.71% | -338 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.16% | 1.25% | 1.22% | 0.79% | 1.01% | -16 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 | 11.83% | 11.99% | 11.81% | 11.64% | 11.25% | -58 bps | |
| Net Worth / Assets | 11.83% | 11.99% | 11.81% | 11.64% | 11.25% | -58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.42% | 45.14% | 44.09% | 43.07% | 44.14% | +72 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Elyria, OH · Charter 97094 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)
NCUA · 3 branches
Q2 2026
Return on Assets
0.65%
Rank 16 of 39
Net Interest Margin
3.16%
Rank 33 of 39
Efficiency Ratio
80.89%
Rank 18 of 39
Equity / Assets
11.25%
Rank 24 of 39
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.13% | 0.49% | 0.87% | Beats 59% | 16 / 39 | |
| Return on Equity | 5.81% | 1.01% | 4.09% | 7.61% | Beats 67% | 13 / 39 | |
| Net Interest Margin | 3.16% | 3.28% | 3.83% | 4.18% | Beats 15% | 33 / 39 | |
| Efficiency Ratio | 80.89% | 76.45% | 81.64% | 91.75% | Beats 56% | 18 / 39 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.01% | 0.15% | 0.61% | 1.88% | Beats 44% | 23 / 39 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.25% | 10.00% | 12.89% | 19.36% | Beats 38% | 24 / 39 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.25% | 10.00% | 12.89% | 19.36% | Beats 38% | 24 / 39 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.14% | 45.46% | 53.28% | 74.29% | 18th pctl | 32 / 39 | |
| Loans / Assets | 38.01% | 36.24% | 44.98% | 63.66% | 26th pctl | 29 / 39 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||