Colmar, PA · Charter 10720
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 | 0.43% | 0.48% | 0.89% | 1.07% | 1.07% | 1.04% | 0.93% | 1.12% | +6 bps | |
| Return on Equity | 3.76% | 4.19% | 7.95% | 9.20% | 9.02% | 8.63% | 7.75% | 8.95% | -24 bps | |
| Net Interest Margin | 2.13% | 2.15% | 2.28% | 2.52% | 2.68% | 2.73% | 2.78% | 2.98% | +46 bps | |
| Efficiency Ratio | 84.04% | 82.10% | 71.97% | 67.05% | 67.13% | 67.46% | 67.37% | 64.26% | -280 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.83% | -2.70% | 3.57% | 1.61% | 5.22% | 3.86% | 1.98% | 0.94% | -67 bps | |
| Loan Growth (YoY) | 5.85% | 10.82% | 12.13% | 8.10% | 1.17% | -3.96% | -3.41% | -3.95% | -1,205 bps | |
| Share Growth (YoY) | -6.97% | -3.50% | 3.34% | 0.93% | 4.82% | 3.12% | 1.03% | -0.17% | -109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 0.94% | 0.74% | 1.59% | 0.88% | 1.16% | 0.80% | 0.68% | -91 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 | 11.43% | 11.46% | 11.17% | 11.59% | 11.81% | 12.07% | 11.98% | 12.55% | +96 bps | |
| Net Worth / Assets | 11.43% | 11.46% | 11.17% | 11.59% | 11.81% | 12.07% | 11.98% | 12.55% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.45% | 30.43% | 28.73% | 29.97% | 28.42% | 28.34% | 27.47% | 28.84% | -113 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |