Greensburg, PA · Charter 13180
NCUA · 1 branch
Q3 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.82% | 0.55% | 0.77% | 0.84% | +14 bps | |
| Return on Equity | 3.61% | 4.17% | 2.73% | 3.69% | 3.95% | +34 bps | |
| Net Interest Margin | 2.17% | 2.29% | 2.10% | 2.37% | 2.52% | +35 bps | |
| Efficiency Ratio | 66.81% | 63.36% | 72.66% | 66.59% | 65.74% | -106 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.16% | -7.12% | -5.02% | -5.24% | -5.23% | +293 bps | |
| Loan Growth (YoY) | -6.12% | 2.38% | 8.64% | 0.65% | -3.83% | +229 bps | |
| Share Growth (YoY) | -10.61% | -9.57% | -7.25% | -7.51% | -7.62% | +299 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.40% | 5.30% | 4.97% | 0.38% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.46% | 2.40% | 2.45% | 2.62% | 2.67% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.36% | 19.62% | 20.22% | 20.94% | 21.29% | +193 bps | |
| Net Worth / Assets | 19.36% | 19.62% | 20.22% | 20.94% | 21.29% | +193 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.93% | 26.03% | 26.63% | 25.95% | 25.95% | +102 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |