Slippery Rock, PA · Charter 12654
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 | 0.84% | 0.78% | 0.87% | 0.96% | 1.20% | 1.12% | 1.14% | 1.34% | +38 bps | |
| Return on Equity | 7.03% | 6.52% | 7.27% | 7.93% | 9.58% | 8.96% | 9.08% | 10.52% | +259 bps | |
| Net Interest Margin | 2.96% | 3.01% | 3.29% | 3.27% | 3.39% | 3.36% | 3.40% | 3.43% | +15 bps | |
| Efficiency Ratio | 73.52% | 75.49% | 73.69% | 70.21% | 67.62% | 68.85% | 70.65% | 67.98% | -224 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.95% | 4.20% | 5.48% | 4.35% | 3.15% | 5.26% | 4.85% | 5.42% | +106 bps | |
| Loan Growth (YoY) | -0.54% | -2.49% | -0.26% | -1.80% | 3.45% | 6.30% | 2.64% | 3.40% | +521 bps | |
| Share Growth (YoY) | 1.29% | 4.19% | 5.34% | 4.04% | 2.65% | 4.65% | 4.36% | 4.81% | +77 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 1.06% | 0.99% | 0.54% | 1.06% | 0.93% | 1.09% | 0.54% | 0 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 | 11.92% | 12.03% | 11.99% | 12.15% | 12.56% | 12.50% | 12.60% | 12.78% | +63 bps | |
| Net Worth / Assets | 11.92% | 12.03% | 11.99% | 12.15% | 12.56% | 12.50% | 12.60% | 12.78% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.54% | 66.70% | 66.52% | 65.55% | 69.08% | 67.76% | 65.42% | 64.67% | -88 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |