Williamsport, PA · Charter 14617
NCUA · 1 branch
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 | 0.13% | -0.16% | -0.51% | -0.81% | -0.69% | -82 bps | |
| Return on Equity | 0.55% | -0.67% | -1.97% | -3.15% | -2.73% | -328 bps | |
| Net Interest Margin | 4.47% | 4.48% | 4.83% | 4.84% | 4.73% | +26 bps | |
| Efficiency Ratio | 97.14% | 103.67% | 110.61% | 116.29% | 114.23% | +1,709 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.25% | -5.96% | -3.05% | -5.89% | -7.78% | -153 bps | |
| Loan Growth (YoY) | -8.00% | -8.53% | -7.03% | -6.69% | -17.62% | -963 bps | |
| Share Growth (YoY) | -8.00% | -7.23% | -2.81% | -7.55% | -8.89% | -89 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.24% | 0.00% | 0.00% | 2.61% | +261 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.61% | 1.46% | 1.34% | 1.41% | 1.63% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.99% | 23.76% | 25.78% | 25.57% | 25.35% | +136 bps | |
| Net Worth / Assets | 23.99% | 23.76% | 25.78% | 25.57% | 25.35% | +136 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.61% | 66.54% | 81.40% | 76.99% | 65.65% | -696 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |