PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Wabellco

Washington, PA · Charter 10047

NCUA · 1 branch

Q2 2026

$12.3MAssets
$3.2MLoans
$11.2MShares
$1.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.77%, up 81 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (-19 bps YoY).
  • Capital: net worth / assets of 9.54%, up 71 bps from a year ago.
  • Funding: loans stand at 28.28% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.77%+81 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+73 bps YoY

Efficiency Ratio (YTD, annualized)

82.78%-1,922 bps YoY

Net Worth / Assets

9.54%+71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.03%0.46%0.48%0.60%0.77%+81 bps
Return on Equity-0.39%4.83%5.17%6.55%8.08%+847 bps
Net Interest Margin2.57%2.80%2.76%3.15%3.30%+73 bps
Efficiency Ratio102.00%90.22%89.48%85.92%82.78%-1,922 bps
Growth
Asset Growth (YoY)-8.93%-6.09%-2.50%2.28%0.69%+962 bps
Loan Growth (YoY)-11.49%-11.11%-11.09%-17.15%-17.96%-646 bps
Share Growth (YoY)-9.27%-4.65%0.39%1.74%-0.13%+914 bps
Asset Quality
Delinquent Loans / Loans0.19%0.19%0.20%0.22%0.00%-19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.83%9.53%9.39%9.23%9.54%+71 bps
Net Worth / Assets8.83%9.53%9.39%9.23%9.54%+71 bps
Liquidity & Funding
Loans / Shares34.42%35.38%33.37%28.95%28.28%-614 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps