S Williamsport, PA · Charter 11689
NCUA · 1 branch
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 | 1.42% | 1.48% | 1.12% | 1.30% | 1.37% | 1.17% | 0.90% | 0.97% | -33 bps | |
| Return on Equity | 10.16% | 10.26% | 7.81% | 8.94% | 9.25% | 7.90% | 6.28% | 6.63% | -232 bps | |
| Net Interest Margin | 3.32% | 3.40% | 3.40% | 3.40% | 3.48% | 3.29% | 3.24% | 3.42% | +2 bps | |
| Efficiency Ratio | 65.83% | 65.28% | 71.36% | 67.48% | 67.27% | 70.46% | 74.23% | 73.46% | +598 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.96% | -5.19% | -2.23% | -0.51% | 4.26% | 5.25% | 7.51% | 6.53% | +704 bps | |
| Loan Growth (YoY) | 0.10% | -3.02% | -2.28% | 11.32% | 14.46% | 20.44% | 16.38% | 0.45% | -1,087 bps | |
| Share Growth (YoY) | -9.31% | -7.53% | -4.07% | -2.17% | 3.49% | 4.70% | 7.46% | 6.45% | +862 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.81% | 1.75% | 1.65% | 1.55% | 1.51% | 1.04% | 1.08% | -57 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 | 14.02% | 14.39% | 14.29% | 14.50% | 14.85% | 14.83% | 14.36% | 14.58% | +9 bps | |
| Net Worth / Assets | 14.02% | 14.39% | 14.29% | 14.50% | 14.85% | 14.83% | 14.36% | 14.58% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.60% | 37.94% | 37.64% | 42.89% | 43.80% | 43.64% | 40.76% | 40.47% | -242 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |