Elyria, OH · Charter 97094
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 | 0.78% | 0.67% | 0.53% | 0.67% | 0.81% | 0.68% | 0.54% | 0.65% | -2 bps | |
| Return on Equity | 6.28% | 5.47% | 4.42% | 5.66% | 6.74% | 5.78% | 4.66% | 5.81% | +16 bps | |
| Net Interest Margin | 3.62% | 3.60% | 3.58% | 3.56% | 3.54% | 3.46% | 3.25% | 3.16% | -40 bps | |
| Efficiency Ratio | 75.66% | 78.17% | 80.82% | 78.09% | 76.16% | 78.62% | 83.52% | 80.91% | +282 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.78% | 5.02% | 7.23% | 9.63% | 9.55% | 10.55% | 9.16% | 11.73% | +210 bps | |
| Loan Growth (YoY) | 0.82% | 2.13% | 7.14% | 11.76% | 16.65% | 13.00% | 8.84% | 7.45% | -431 bps | |
| Share Growth (YoY) | 2.15% | 4.18% | 6.18% | 9.09% | 9.43% | 9.37% | 8.30% | 5.71% | -338 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 1.42% | 0.89% | 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 | 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 | 12.37% | 12.30% | 11.96% | 11.83% | 11.99% | 11.81% | 11.64% | 11.25% | -58 bps | |
| Net Worth / Assets | 12.37% | 12.30% | 11.96% | 11.83% | 11.99% | 11.81% | 11.64% | 11.25% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.34% | 42.67% | 42.85% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |