PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

C-B-W Schools

Sidman, PA · Charter 11374

NCUA · 2 branches

Q2 2026

$131.8MAssets
$27.5MLoans
$96.1MShares
$39.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.23%, up 26 bps year over year; NIM at 2.29%.
  • Asset quality: problem loans at 0.33% of loans (0 bps YoY).
  • Capital: net worth / assets of 29.78%, down 80 bps from a year ago.
  • Funding: loans stand at 28.59% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.23%+26 bps YoY

Net Interest Margin (YTD, annualized)

2.29%+21 bps YoY

Efficiency Ratio (YTD, annualized)

49.08%-704 bps YoY

Net Worth / Assets

29.78%-80 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.89%0.95%0.97%1.02%1.04%1.23%1.23%+26 bps
Return on Equity2.79%2.76%3.04%3.18%3.35%3.46%4.12%4.14%+96 bps
Net Interest Margin2.01%2.02%2.07%2.08%2.10%2.12%2.25%2.29%+21 bps
Efficiency Ratio58.20%58.67%57.32%56.12%54.50%53.73%48.75%49.08%-704 bps
Growth
Asset Growth (YoY)2.69%1.82%5.03%8.04%8.84%11.10%8.73%6.87%-117 bps
Loan Growth (YoY)1.53%2.19%2.43%2.53%1.24%1.69%-0.49%0.62%-191 bps
Share Growth (YoY)-1.74%0.27%3.38%6.95%9.61%11.03%9.11%7.36%+42 bps
Asset Quality
Delinquent Loans / Loans0.31%0.02%0.34%0.33%0.29%0.29%0.29%0.33%0 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 Capital32.12%32.32%31.11%30.58%30.47%30.12%29.71%29.78%-80 bps
Net Worth / Assets32.12%32.32%31.11%30.58%30.47%30.12%29.71%29.78%-80 bps
Liquidity & Funding
Loans / Shares33.28%32.95%31.12%30.50%30.74%30.18%28.38%28.59%-192 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps