PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dertown School

Latrobe, PA · Charter 10141

NCUA · 1 branch

Q2 2026

$12.3MAssets
$8.7MLoans
$8.5MShares
$3.7MNet 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 0.75%, down 16 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 30.42%, up 136 bps from a year ago.
  • Funding: loans stand at 102.30% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.75%-16 bps YoY

Net Interest Margin (quarter, annualized)

2.54%+28 bps YoY

Efficiency Ratio (quarter, annualized)

68.03%+831 bps YoY

Net Worth / Assets

30.42%+136 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%1.03%1.10%0.33%0.75%-16 bps
Return on Equity3.14%3.48%3.69%1.11%2.46%-67 bps
Net Interest Margin2.26%2.42%2.60%2.06%2.54%+28 bps
Efficiency Ratio59.72%57.49%57.64%84.06%68.03%+831 bps
Growth
Asset Growth (YoY)5.15%3.95%2.80%1.33%-1.16%-630 bps
Loan Growth (YoY)-4.67%-1.10%-5.49%-4.98%1.67%+634 bps
Share Growth (YoY)6.08%4.29%2.79%0.62%-2.94%-902 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 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 Capital29.06%29.58%29.87%29.75%30.42%+136 bps
Net Worth / Assets29.06%29.58%29.87%29.75%30.42%+136 bps
Liquidity & Funding
Loans / Shares97.66%100.02%95.75%93.92%102.30%+464 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps