Sayre, PA · Charter 14425
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.18% | -0.03% | 0.02% | 0.11% | 0.05% | -0.26% | -0.19% | -21 bps | |
| Return on Equity | 3.31% | 1.22% | -0.20% | 0.12% | 0.74% | 0.34% | -1.90% | -1.41% | -153 bps | |
| Net Interest Margin | 3.95% | 3.78% | 3.51% | 3.59% | 3.68% | 3.63% | 3.40% | 3.51% | -8 bps | |
| Efficiency Ratio | 74.19% | 77.91% | 88.01% | 85.64% | 86.07% | 88.05% | 94.54% | 92.89% | +725 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.41% | 16.86% | 15.20% | 10.84% | 7.15% | 4.28% | 3.88% | 3.08% | -776 bps | |
| Loan Growth (YoY) | 6.84% | 1.94% | 0.31% | 4.84% | 8.96% | 9.41% | 10.60% | 14.72% | +988 bps | |
| Share Growth (YoY) | 17.84% | 20.56% | 17.54% | 12.75% | 8.22% | 5.00% | 4.76% | 3.85% | -889 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 1.72% | 1.48% | 1.49% | 2.80% | 2.39% | 1.85% | 1.54% | +5 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 | 15.10% | 14.41% | 14.02% | 14.00% | 14.13% | 13.87% | 13.48% | 13.53% | -47 bps | |
| Net Worth / Assets | 15.10% | 14.41% | 14.02% | 14.00% | 14.13% | 13.87% | 13.48% | 13.53% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.36% | 61.53% | 60.75% | 63.75% | 65.81% | 64.12% | 64.13% | 70.42% | +667 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |