Warren, PA · Charter 11391
NCUA · 2 branches
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 | 2.28% | 1.72% | 0.18% | 0.68% | 0.54% | 0.64% | 0.23% | 0.73% | +4 bps | |
| Return on Equity | 15.22% | 11.36% | 1.19% | 4.56% | 3.57% | 4.16% | 1.57% | 4.94% | +37 bps | |
| Net Interest Margin | 4.74% | 4.76% | 4.25% | 4.03% | 4.01% | 4.00% | 3.50% | 3.57% | -46 bps | |
| Efficiency Ratio | 57.09% | 67.96% | 91.28% | 81.76% | 83.21% | 82.78% | 93.28% | 86.58% | +481 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.40% | 3.93% | 1.29% | 3.14% | 2.29% | 2.82% | 9.23% | 6.12% | +298 bps | |
| Loan Growth (YoY) | 11.98% | 13.69% | 4.26% | -7.77% | -10.08% | -14.17% | -12.64% | -2.52% | +526 bps | |
| Share Growth (YoY) | -3.00% | 2.50% | -0.04% | 2.58% | 2.24% | 2.56% | 10.06% | 6.36% | +378 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.18% | 0.20% | 0.91% | 0.13% | 0.14% | 0.84% | 0.11% | -80 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 | 14.97% | 15.12% | 15.19% | 14.96% | 15.02% | 15.34% | 14.52% | 14.73% | -23 bps | |
| Net Worth / Assets | 14.97% | 15.12% | 15.19% | 14.96% | 15.02% | 15.34% | 14.52% | 14.73% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.21% | 38.32% | 36.44% | 33.10% | 31.85% | 32.07% | 28.92% | 30.34% | -276 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |