Bedford, PA · Charter 12900
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 | -0.48% | -0.50% | 0.17% | -0.13% | -0.18% | -0.17% | -0.38% | -0.42% | -29 bps | |
| Return on Equity | -1.76% | -1.74% | 0.56% | -0.43% | -0.57% | -0.54% | -1.19% | -1.28% | -85 bps | |
| Net Interest Margin | 2.43% | 2.25% | 2.97% | 3.06% | 3.16% | 3.18% | 3.58% | 3.76% | +70 bps | |
| Efficiency Ratio | 119.63% | 121.89% | 94.27% | 104.33% | 105.69% | 105.29% | 107.69% | 109.74% | +541 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.39% | -13.10% | -12.96% | -14.67% | -14.54% | -9.62% | -5.40% | -5.89% | +877 bps | |
| Loan Growth (YoY) | -6.24% | -11.08% | -9.92% | -12.74% | -14.74% | -14.51% | -12.55% | -19.67% | -692 bps | |
| Share Growth (YoY) | -15.44% | -15.80% | -13.81% | -14.11% | -13.80% | -8.06% | -5.94% | -8.15% | +597 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 0.91% | 1.52% | 1.40% | 2.83% | 3.21% | 2.03% | 2.25% | +85 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 | 0.30% | 0.32% | 0.33% | 0.34% | 0.36% | 0.19% | 0.13% | 0.15% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.30% | 28.61% | 30.44% | 31.15% | 31.68% | 31.49% | 31.86% | 32.79% | +163 bps | |
| Net Worth / Assets | 27.30% | 28.61% | 30.44% | 31.15% | 31.68% | 31.49% | 31.86% | 32.79% | +163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.70% | 75.55% | 76.06% | 76.89% | 74.88% | 70.25% | 70.71% | 67.25% | -964 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |