Bellefonte, PA · Charter 12729
NCUA · 2 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 | 1.46% | 1.46% | 0.04% | 0.72% | 1.05% | 1.23% | 1.83% | 1.86% | +114 bps | |
| Return on Equity | 11.70% | 11.46% | 0.32% | 5.52% | 7.91% | 9.12% | 13.66% | 13.60% | +808 bps | |
| Net Interest Margin | 3.44% | 3.44% | 1.93% | 2.80% | 3.13% | 3.27% | 3.77% | 3.78% | +98 bps | |
| Efficiency Ratio | 58.05% | 58.88% | 100.58% | 74.29% | 67.12% | 63.52% | 55.70% | 55.05% | -1,924 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.70% | 5.51% | -3.83% | -4.09% | 1.98% | 3.33% | 6.82% | 8.52% | +1,260 bps | |
| Loan Growth (YoY) | -0.31% | -0.98% | 4.95% | 5.79% | 9.00% | 12.54% | 9.85% | 5.88% | +9 bps | |
| Share Growth (YoY) | 4.60% | 4.82% | 2.59% | 3.05% | 1.56% | 1.34% | 4.79% | 6.12% | +306 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.62% | 0.49% | 0.25% | 0.28% | 0.25% | 0.22% | 0.33% | +8 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 | 12.46% | 12.71% | 12.61% | 12.96% | 13.31% | 13.47% | 13.38% | 13.65% | +69 bps | |
| Net Worth / Assets | 12.46% | 12.71% | 12.61% | 12.96% | 13.31% | 13.47% | 13.38% | 13.65% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.29% | 53.00% | 55.44% | 56.48% | 58.27% | 58.86% | 58.12% | 56.36% | -13 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |