New Kensington, PA · Charter 15063
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.34% | -0.27% | -0.24% | -0.38% | 0.04% | +38 bps | |
| Return on Equity | -2.34% | -1.85% | -1.70% | -2.72% | 0.24% | +258 bps | |
| Net Interest Margin | 1.59% | 1.66% | 1.59% | 1.52% | 2.07% | +47 bps | |
| Efficiency Ratio | 120.02% | 114.95% | 113.88% | 123.92% | 97.31% | -2,271 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.85% | 21.63% | 21.35% | 4.16% | -8.84% | -3,169 bps | |
| Loan Growth (YoY) | 2.85% | 2.75% | -1.37% | -2.10% | -2.10% | -495 bps | |
| Share Growth (YoY) | 27.96% | 26.46% | 26.17% | 5.22% | -10.27% | -3,823 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.11% | 0.11% | 0.85% | 3.97% | +386 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.55% | 0.58% | 0.48% | 0.47% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.50% | 14.48% | 13.98% | 14.07% | 15.84% | +134 bps | |
| Net Worth / Assets | 14.50% | 14.48% | 13.98% | 14.07% | 15.84% | +134 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.78% | 82.59% | 75.98% | 76.03% | 89.22% | +745 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |