California, PA · Charter 13503
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 | 0.44% | -0.21% | 0.35% | 0.32% | -0.28% | -0.25% | 0.04% | -0.03% | -35 bps | |
| Return on Equity | 2.96% | -1.48% | 2.52% | 2.29% | -1.90% | -1.75% | 0.29% | -0.25% | -253 bps | |
| Net Interest Margin | 4.27% | 3.76% | 3.99% | 4.01% | 4.24% | 4.29% | 3.91% | 3.86% | -14 bps | |
| Efficiency Ratio | 93.73% | 107.88% | 91.99% | 92.78% | 91.02% | 94.06% | 99.10% | 100.80% | +802 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.08% | -4.77% | -4.80% | -3.96% | -6.98% | -6.47% | -5.96% | -4.01% | -5 bps | |
| Loan Growth (YoY) | -13.93% | -14.03% | -15.34% | -12.40% | -12.16% | -10.95% | -7.45% | -5.49% | +691 bps | |
| Share Growth (YoY) | -6.40% | -5.14% | -5.08% | -4.09% | -7.47% | -7.21% | -7.00% | -4.38% | -29 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.22% | 10.90% | 9.98% | 10.74% | 4.90% | 4.11% | 3.72% | 3.50% | -725 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 | 14.90% | 14.13% | 13.74% | 13.95% | 14.70% | 14.33% | 14.26% | 14.11% | +16 bps | |
| Net Worth / Assets | 14.90% | 14.13% | 13.74% | 13.95% | 14.70% | 14.33% | 14.26% | 14.11% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.59% | 30.13% | 28.34% | 28.47% | 29.04% | 28.91% | 28.20% | 28.14% | -33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |