Hermitage, PA · Charter 13760
NCUA · 3 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.80% | 0.73% | 0.65% | 0.67% | -7 bps | |
| Return on Equity | 4.76% | 5.01% | 4.55% | 4.16% | 4.29% | -47 bps | |
| Net Interest Margin | 2.72% | 2.78% | 2.78% | 2.76% | 2.80% | +8 bps | |
| Efficiency Ratio | 77.74% | 76.62% | 78.23% | 77.17% | 78.14% | +40 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.44% | 3.97% | 2.53% | 2.85% | 4.04% | -39 bps | |
| Loan Growth (YoY) | -4.42% | -5.78% | -6.13% | -7.49% | -7.30% | -288 bps | |
| Share Growth (YoY) | 4.11% | 3.81% | 2.44% | 2.61% | 4.06% | -5 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 1.78% | 1.09% | 0.81% | 1.01% | +21 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.52% | 15.89% | 15.95% | 15.56% | 15.59% | +7 bps | |
| Net Worth / Assets | 15.52% | 15.89% | 15.95% | 15.56% | 15.59% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.85% | 40.10% | 38.68% | 36.51% | 36.39% | -446 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |