Duncansville, PA · Charter 14879
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 | 0.25% | 0.34% | -0.54% | 0.09% | -0.65% | -1.38% | 0.86% | 1.06% | +98 bps | |
| Return on Equity | 1.73% | 2.28% | -3.73% | 0.59% | -4.77% | -9.31% | 5.87% | 7.10% | +650 bps | |
| Net Interest Margin | 4.34% | 4.48% | 4.50% | 4.60% | 4.68% | 4.01% | 4.85% | 4.86% | +26 bps | |
| Efficiency Ratio | 91.89% | 90.52% | 105.78% | 95.11% | 89.83% | 93.71% | 75.82% | 76.26% | -1,885 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.78% | 3.01% | 0.06% | 4.05% | 1.37% | 20.31% | 22.15% | 19.89% | +1,584 bps | |
| Loan Growth (YoY) | 3.29% | 6.68% | 6.11% | 12.87% | 9.57% | 17.23% | 17.53% | 5.80% | -708 bps | |
| Share Growth (YoY) | 1.03% | 3.10% | -0.07% | 4.37% | 4.76% | 21.51% | 23.18% | 20.34% | +1,598 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.04% | 0.03% | 0.02% | 0.10% | 0.10% | 0.09% | 0.08% | +6 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 | 0.40% | 0.76% | 0.36% | 0.42% | 1.90% | 0.00% | 0.00% | 0.00% | -42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.19% | 14.80% | 14.56% | 14.42% | 13.65% | 14.82% | 14.66% | 14.97% | +56 bps | |
| Net Worth / Assets | 14.19% | 14.80% | 14.56% | 14.42% | 13.65% | 14.82% | 14.66% | 14.97% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.07% | 63.56% | 61.80% | 67.35% | 65.96% | 61.32% | 58.96% | 59.21% | -814 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |