PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fort Ligonier

Jerome, PA · Charter 12505

NCUA · 2 branches

Q2 2026

$3.2MAssets
$901KLoans
$2.7MShares
$504KNet 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 0.46%, down 71 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 1.27% of loans (+98 bps YoY).
  • Capital: net worth / assets of 15.90%, down 136 bps from a year ago.
  • Funding: loans stand at 33.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.46%-71 bps YoY

Net Interest Margin (YTD, annualized)

2.14%-22 bps YoY

Efficiency Ratio (YTD, annualized)

79.32%+800 bps YoY

Net Worth / Assets

15.90%-136 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%0.74%0.05%0.36%0.46%-71 bps
Return on Equity6.72%4.29%0.29%2.22%2.87%-386 bps
Net Interest Margin2.35%2.05%1.60%2.02%2.14%-22 bps
Efficiency Ratio71.32%79.67%113.09%86.21%79.32%+800 bps
Growth
Asset Growth (YoY)0.70%3.07%5.67%4.41%6.74%+604 bps
Loan Growth (YoY)-11.17%-17.41%-22.57%-19.93%-13.18%-201 bps
Share Growth (YoY)0.92%3.93%6.91%5.52%8.59%+767 bps
Asset Quality
Delinquent Loans / Loans0.29%0.00%0.00%1.49%1.27%+98 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.76%0.84%0.82%0.81%0.79%+2 bps
Capital
Risk-Based Capital17.26%17.29%16.31%16.10%15.90%-136 bps
Net Worth / Assets17.26%17.29%16.31%16.10%15.90%-136 bps
Liquidity & Funding
Loans / Shares42.39%38.78%35.30%32.15%33.90%-850 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps