Wilkes Barre, PA · Charter 12333
NCUA · 4 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 | 0.19% | 0.20% | 0.43% | 0.51% | 0.56% | 0.54% | 0.44% | 0.28% | -23 bps | |
| Return on Equity | 1.79% | 1.86% | 4.07% | 4.89% | 5.27% | 5.15% | 4.19% | 2.78% | -212 bps | |
| Net Interest Margin | 1.36% | 1.35% | 1.45% | 1.53% | 1.57% | 1.54% | 1.47% | 1.38% | -15 bps | |
| Efficiency Ratio | 79.57% | 79.61% | 72.87% | 67.48% | 66.50% | 66.95% | 70.17% | 72.25% | +477 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | 1.46% | 5.78% | 7.42% | 6.91% | 8.25% | 7.03% | 7.56% | +13 bps | |
| Loan Growth (YoY) | 13.23% | -0.70% | -6.77% | -4.56% | -2.46% | 2.25% | 1.51% | -3.31% | +125 bps | |
| Share Growth (YoY) | -0.71% | 1.35% | 5.93% | 7.49% | 7.03% | 8.25% | 7.00% | 7.84% | +35 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.61% | 1.14% | 1.80% | 2.15% | 1.46% | 2.11% | 3.08% | 3.89% | +174 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 | 10.84% | 10.85% | 10.59% | 10.51% | 10.61% | 10.56% | 10.44% | 10.19% | -32 bps | |
| Net Worth / Assets | 10.84% | 10.85% | 10.59% | 10.51% | 10.61% | 10.56% | 10.44% | 10.19% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.53% | 17.62% | 16.35% | 16.84% | 16.88% | 16.65% | 15.51% | 15.10% | -174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |