Latrobe, PA · Charter 10141
NCUA · 1 branch
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 | 1.06% | 1.20% | 0.83% | 0.91% | 1.03% | 1.10% | 0.33% | 0.75% | -16 bps | |
| Return on Equity | 3.58% | 4.06% | 2.84% | 3.14% | 3.48% | 3.69% | 1.11% | 2.46% | -67 bps | |
| Net Interest Margin | 2.35% | 2.48% | 2.16% | 2.26% | 2.42% | 2.60% | 2.06% | 2.54% | +28 bps | |
| Efficiency Ratio | 55.12% | 51.68% | 61.54% | 59.72% | 57.49% | 57.64% | 84.06% | 68.03% | +831 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.10% | 8.94% | 6.31% | 5.15% | 3.95% | 2.80% | 1.33% | -1.16% | -630 bps | |
| Loan Growth (YoY) | -2.20% | -1.53% | -2.28% | -4.67% | -1.10% | -5.49% | -4.98% | 1.67% | +634 bps | |
| Share Growth (YoY) | 8.58% | 11.10% | 7.67% | 6.08% | 4.29% | 2.79% | 0.62% | -2.94% | -902 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 29.52% | 29.58% | 29.16% | 29.06% | 29.58% | 29.87% | 29.75% | 30.42% | +136 bps | |
| Net Worth / Assets | 29.52% | 29.58% | 29.16% | 29.06% | 29.58% | 29.87% | 29.75% | 30.42% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.48% | 104.14% | 99.45% | 97.66% | 100.02% | 95.75% | 93.92% | 102.30% | +464 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |