PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Connect

Titusville, PA · Charter 11172

NCUA · 1 branch

Q2 2026

$27.4MAssets
$12.6MLoans
$23.8MShares
$3.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.33%, up 20 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 0.59% of loans (-29 bps YoY).
  • Capital: net worth / assets of 12.72%, up 50 bps from a year ago.
  • Funding: loans stand at 52.80% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.33%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.38%+40 bps YoY

Efficiency Ratio (YTD, annualized)

71.05%+149 bps YoY

Net Worth / Assets

12.72%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.06%5.94%1.13%1.33%1.28%1.23%1.33%+20 bps
Return on Equity10.63%8.83%49.52%9.28%10.64%10.30%9.87%10.45%+117 bps
Net Interest Margin4.02%4.06%3.87%3.99%4.11%4.13%4.28%4.38%+40 bps
Efficiency Ratio66.77%72.06%35.30%69.57%67.26%67.66%70.34%71.05%+149 bps
Growth
Asset Growth (YoY)-3.91%-1.72%0.27%-0.60%4.42%6.26%6.75%6.90%+750 bps
Loan Growth (YoY)-3.98%-3.97%-4.18%-1.56%4.74%7.95%9.84%6.90%+846 bps
Share Growth (YoY)-4.76%-3.02%-1.31%-2.29%3.20%5.46%6.00%6.07%+836 bps
Asset Quality
Delinquent Loans / Loans0.81%0.69%0.00%0.88%1.14%1.14%0.83%0.59%-29 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 Capital11.68%11.95%11.98%12.22%12.54%12.43%12.43%12.72%+50 bps
Net Worth / Assets11.68%11.95%11.98%12.22%12.54%12.43%12.43%12.72%+50 bps
Liquidity & Funding
Loans / Shares53.85%53.26%50.77%52.39%54.65%54.52%52.61%52.80%+41 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps