PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Corner Post

Wilkes Barre, PA · Charter 1172

NCUA · 1 branch

Q2 2026

$99.4MAssets
$31.2MLoans
$81.7MShares
$17.6MNet 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 2.09%, down 2 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.91% of loans (+77 bps YoY).
  • Capital: net worth / assets of 17.74%, up 153 bps from a year ago.
  • Funding: loans stand at 38.20% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.09%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+11 bps YoY

Efficiency Ratio (YTD, annualized)

50.53%+187 bps YoY

Net Worth / Assets

17.74%+153 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.11%2.15%2.21%1.92%2.09%-2 bps
Return on Equity13.04%12.70%12.77%11.08%11.80%-124 bps
Net Interest Margin3.75%3.86%3.88%3.85%3.86%+11 bps
Efficiency Ratio48.66%49.24%48.43%53.57%50.53%+187 bps
Growth
Asset Growth (YoY)0.76%-0.65%1.22%1.20%3.88%+313 bps
Loan Growth (YoY)5.22%3.59%4.84%4.48%10.19%+497 bps
Share Growth (YoY)-1.62%-3.24%-1.17%-1.08%1.97%+360 bps
Asset Quality
Delinquent Loans / Loans0.13%0.44%1.06%0.39%0.91%+77 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 Capital16.21%16.90%17.32%17.32%17.74%+153 bps
Net Worth / Assets16.21%16.90%17.32%17.32%17.74%+153 bps
Liquidity & Funding
Loans / Shares35.36%35.33%34.37%31.86%38.20%+285 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps