Jerome, PA · Charter 12505
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 0.74% | 0.05% | 0.36% | 0.46% | -71 bps | |
| Return on Equity | 6.72% | 4.29% | 0.29% | 2.22% | 2.87% | -386 bps | |
| Net Interest Margin | 2.35% | 2.05% | 1.60% | 2.02% | 2.14% | -22 bps | |
| Efficiency Ratio | 71.32% | 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 / Loans | 0.29% | 0.00% | 0.00% | 1.49% | 1.27% | +98 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.84% | 0.82% | 0.81% | 0.79% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.26% | 17.29% | 16.31% | 16.10% | 15.90% | -136 bps | |
| Net Worth / Assets | 17.26% | 17.29% | 16.31% | 16.10% | 15.90% | -136 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.39% | 38.78% | 35.30% | 32.15% | 33.90% | -850 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |