PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fayette Federal Employees

Uniontown, PA · Charter 10690

NCUA · 1 branch

Q2 2026

$19.8MAssets
$10.7MLoans
$16.9MShares
$2.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.65%, down 11 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.41% of loans (+3 bps YoY).
  • Capital: net worth / assets of 14.27%, up 15 bps from a year ago.
  • Funding: loans stand at 62.91% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.65%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.67%-33 bps YoY

Efficiency Ratio (YTD, annualized)

60.54%+428 bps YoY

Net Worth / Assets

14.27%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.09%1.66%1.76%1.66%1.73%1.87%1.65%-11 bps
Return on Equity12.02%8.11%12.01%12.45%11.94%11.87%13.16%11.54%-91 bps
Net Interest Margin3.89%3.58%3.84%4.00%3.90%3.99%3.74%3.67%-33 bps
Efficiency Ratio59.84%65.27%56.31%56.25%58.41%58.13%56.14%60.54%+428 bps
Growth
Asset Growth (YoY)0.19%0.50%2.44%6.23%8.53%5.66%11.46%12.46%+623 bps
Loan Growth (YoY)58.34%39.97%30.57%17.15%-3.83%-10.87%-1.92%23.27%+612 bps
Share Growth (YoY)-3.74%-2.40%1.06%5.64%10.45%5.67%10.88%12.08%+644 bps
Asset Quality
Delinquent Loans / Loans0.33%0.50%0.37%0.37%0.60%1.74%0.69%0.41%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.69%13.48%13.79%14.12%13.93%14.61%14.18%14.27%+15 bps
Net Worth / Assets13.69%13.48%13.79%14.12%13.93%14.61%14.18%14.27%+15 bps
Liquidity & Funding
Loans / Shares63.72%64.07%60.19%57.19%55.48%54.04%53.24%62.91%+571 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps