PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

A.B.

Duncansville, PA · Charter 14879

NCUA · 2 branches

Q2 2026

$10.5MAssets
$5.3MLoans
$9.0MShares
$1.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.06%, up 98 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 0.08% of loans (+6 bps YoY).
  • Capital: net worth / assets of 14.97%, up 56 bps from a year ago.
  • Funding: loans stand at 59.21% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+98 bps YoY

Net Interest Margin (YTD, annualized)

4.86%+26 bps YoY

Efficiency Ratio (YTD, annualized)

76.26%-1,885 bps YoY

Net Worth / Assets

14.97%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%-0.65%-1.38%0.86%1.06%+98 bps
Return on Equity0.59%-4.77%-9.31%5.87%7.10%+650 bps
Net Interest Margin4.60%4.68%4.01%4.85%4.86%+26 bps
Efficiency Ratio95.11%89.83%93.71%75.82%76.26%-1,885 bps
Growth
Asset Growth (YoY)4.05%1.37%20.31%22.15%19.89%+1,584 bps
Loan Growth (YoY)12.87%9.57%17.23%17.53%5.80%-708 bps
Share Growth (YoY)4.37%4.76%21.51%23.18%20.34%+1,598 bps
Asset Quality
Delinquent Loans / Loans0.02%0.10%0.10%0.09%0.08%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.42%1.90%0.00%0.00%0.00%-42 bps
Capital
Risk-Based Capital14.42%13.65%14.82%14.66%14.97%+56 bps
Net Worth / Assets14.42%13.65%14.82%14.66%14.97%+56 bps
Liquidity & Funding
Loans / Shares67.35%65.96%61.32%58.96%59.21%-814 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps