Connellsville, PA · Charter 13733
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 | 2.60% | 2.39% | 2.08% | 2.27% | 2.40% | 2.56% | 1.33% | 1.47% | -80 bps | |
| Return on Equity | 17.17% | 15.41% | 13.44% | 13.88% | 13.79% | 14.20% | 7.46% | 8.05% | -584 bps | |
| Net Interest Margin | 4.92% | 4.89% | 4.58% | 4.69% | 4.82% | 4.77% | 4.34% | 4.39% | -30 bps | |
| Efficiency Ratio | 54.16% | 57.85% | 60.95% | 57.73% | 56.96% | 53.60% | 73.43% | 69.32% | +1,159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.07% | 2.17% | 5.13% | 1.04% | 0.28% | 0.28% | -0.35% | 1.12% | +8 bps | |
| Loan Growth (YoY) | -0.76% | -2.19% | -3.61% | -5.05% | -7.32% | -8.98% | -6.81% | -6.29% | -124 bps | |
| Share Growth (YoY) | -3.35% | -0.37% | 2.66% | -2.01% | -1.89% | -2.41% | -2.40% | -0.53% | +148 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.94% | 0.71% | 0.66% | 1.17% | 1.35% | 0.99% | 0.76% | +10 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 | 15.17% | 15.53% | 15.45% | 16.35% | 17.38% | 18.05% | 17.80% | 18.28% | +192 bps | |
| Net Worth / Assets | 15.17% | 15.53% | 15.45% | 16.35% | 17.38% | 18.05% | 17.80% | 18.28% | +192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.13% | 56.37% | 52.97% | 53.51% | 53.97% | 52.57% | 50.58% | 50.41% | -310 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |