Danville, PA · Charter 14180
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 | 0.90% | 0.98% | 0.29% | 0.48% | 0.40% | 0.48% | 0.88% | 0.81% | +33 bps | |
| Return on Equity | 7.28% | 7.71% | 2.33% | 3.96% | 3.25% | 3.95% | 7.45% | 6.72% | +276 bps | |
| Net Interest Margin | 3.25% | 3.11% | 2.72% | 2.74% | 2.80% | 2.78% | 2.68% | 2.74% | -1 bps | |
| Efficiency Ratio | 73.01% | 72.86% | 88.44% | 83.02% | 86.09% | 84.00% | 73.84% | 79.08% | -394 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.90% | 4.03% | 7.70% | 9.85% | 8.78% | 8.55% | 8.20% | 4.53% | -533 bps | |
| Loan Growth (YoY) | 22.06% | 14.53% | 20.98% | 23.52% | 19.69% | 13.69% | 8.85% | 6.70% | -1,682 bps | |
| Share Growth (YoY) | 6.38% | 2.65% | 7.05% | 9.73% | 8.91% | 9.20% | 8.62% | 4.39% | -534 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.08% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 12.41% | 12.72% | 12.27% | 12.03% | 12.20% | 12.11% | 11.87% | 12.07% | +4 bps | |
| Net Worth / Assets | 12.41% | 12.72% | 12.27% | 12.03% | 12.20% | 12.11% | 11.87% | 12.07% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.64% | 54.16% | 55.16% | 55.25% | 58.95% | 56.39% | 55.28% | 56.47% | +122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |