PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kinzua

Warren, PA · Charter 11391

NCUA · 2 branches

Q2 2026

$16.7MAssets
$4.3MLoans
$14.2MShares
$2.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.73%, up 4 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.11% of loans (-80 bps YoY).
  • Capital: net worth / assets of 14.73%, down 23 bps from a year ago.
  • Funding: loans stand at 30.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.57%-46 bps YoY

Efficiency Ratio (YTD, annualized)

86.58%+481 bps YoY

Net Worth / Assets

14.73%-23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.54%0.64%0.23%0.73%+4 bps
Return on Equity4.56%3.57%4.16%1.57%4.94%+37 bps
Net Interest Margin4.03%4.01%4.00%3.50%3.57%-46 bps
Efficiency Ratio81.76%83.21%82.78%93.28%86.58%+481 bps
Growth
Asset Growth (YoY)3.14%2.29%2.82%9.23%6.12%+298 bps
Loan Growth (YoY)-7.77%-10.08%-14.17%-12.64%-2.52%+526 bps
Share Growth (YoY)2.58%2.24%2.56%10.06%6.36%+378 bps
Asset Quality
Delinquent Loans / Loans0.91%0.13%0.14%0.84%0.11%-80 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.96%15.02%15.34%14.52%14.73%-23 bps
Net Worth / Assets14.96%15.02%15.34%14.52%14.73%-23 bps
Liquidity & Funding
Loans / Shares33.10%31.85%32.07%28.92%30.34%-276 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps