Titusville, PA · Charter 11172
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.13% | 1.33% | 1.28% | 1.23% | 1.33% | +20 bps | |
| Return on Equity | 9.28% | 10.64% | 10.30% | 9.87% | 10.45% | +117 bps | |
| Net Interest Margin | 3.99% | 4.11% | 4.13% | 4.28% | 4.38% | +40 bps | |
| Efficiency Ratio | 69.57% | 67.26% | 67.66% | 70.34% | 71.05% | +149 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.60% | 4.42% | 6.26% | 6.75% | 6.90% | +750 bps | |
| Loan Growth (YoY) | -1.56% | 4.74% | 7.95% | 9.84% | 6.90% | +846 bps | |
| Share Growth (YoY) | -2.29% | 3.20% | 5.46% | 6.00% | 6.07% | +836 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.88% | 1.14% | 1.14% | 0.83% | 0.59% | -29 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.22% | 12.54% | 12.43% | 12.43% | 12.72% | +50 bps | |
| Net Worth / Assets | 12.22% | 12.54% | 12.43% | 12.43% | 12.72% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.39% | 54.65% | 54.52% | 52.61% | 52.80% | +41 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |