PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Washington Area Teachers

Washington, PA · Charter 13035

NCUA · 1 branch

Q2 2026

$82.4MAssets
$33.7MLoans
$73.1MShares
$9.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.83%, down 37 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.25% of loans (-25 bps YoY).
  • Capital: net worth / assets of 11.64%, up 24 bps from a year ago.
  • Funding: loans stand at 46.12% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.83%-37 bps YoY

Net Interest Margin (quarter, annualized)

3.00%-25 bps YoY

Efficiency Ratio (quarter, annualized)

78.11%+698 bps YoY

Net Worth / Assets

11.64%+24 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.42%1.39%1.20%1.23%1.21%0.92%0.83%-37 bps
Return on Equity12.71%12.72%12.45%10.54%10.46%10.29%7.91%7.15%-339 bps
Net Interest Margin4.58%4.26%3.21%3.26%3.30%3.29%3.09%3.00%-25 bps
Efficiency Ratio70.82%68.60%72.61%71.13%69.49%69.09%69.42%78.11%+698 bps
Growth
Asset Growth (YoY)2.94%1.79%4.06%4.74%4.72%5.20%5.68%7.27%+252 bps
Loan Growth (YoY)6.90%4.79%8.21%5.86%9.19%11.67%9.74%12.39%+653 bps
Share Growth (YoY)0.58%0.16%2.22%3.19%3.35%3.56%4.31%6.39%+319 bps
Asset Quality
Delinquent Loans / Loans0.39%0.41%0.33%0.50%0.33%0.44%0.33%0.25%-25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.93%11.14%11.15%11.40%11.74%11.80%11.62%11.64%+24 bps
Net Worth / Assets10.93%11.14%11.15%11.40%11.74%11.80%11.62%11.64%+24 bps
Liquidity & Funding
Loans / Shares43.33%42.71%42.26%43.66%45.78%46.06%44.46%46.12%+246 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps