Williamsport, PA · Charter 10687
NCUA · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | -0.62% | 0.99% | 0.79% | 0.53% | 0.33% | -0.22% | -0.22% | -100 bps | |
| Return on Equity | -1.23% | -6.69% | 10.94% | 8.45% | 5.76% | 3.63% | -2.47% | -2.41% | -1,086 bps | |
| Net Interest Margin | 3.69% | 3.73% | 3.92% | 4.00% | 4.08% | 4.17% | 4.04% | 4.07% | +7 bps | |
| Efficiency Ratio | 97.38% | 105.61% | 86.85% | 87.20% | 89.02% | 89.55% | 95.60% | 95.04% | +783 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.14% | 4.14% | 2.28% | 1.09% | 3.40% | 4.00% | 2.48% | 3.88% | +279 bps | |
| Loan Growth (YoY) | 5.06% | 7.40% | 12.01% | 10.72% | 5.91% | -0.38% | -7.20% | -9.91% | -2,064 bps | |
| Share Growth (YoY) | 6.29% | 5.67% | 3.48% | 2.20% | 3.47% | 3.77% | 2.88% | 2.67% | +47 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 1.19% | 0.96% | 1.34% | 1.82% | 1.83% | 1.86% | 2.32% | +98 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 | 9.46% | 9.22% | 9.07% | 9.32% | 9.28% | 9.16% | 8.84% | 9.01% | -30 bps | |
| Net Worth / Assets | 9.46% | 9.22% | 9.07% | 9.32% | 9.28% | 9.16% | 8.84% | 9.01% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.29% | 75.38% | 75.50% | 76.49% | 75.01% | 72.36% | 68.10% | 67.12% | -938 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |