Harwick, PA · Charter 15234
NCUA · 3 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 | 0.61% | 0.60% | 0.52% | 0.64% | 0.66% | 0.74% | 0.70% | 0.68% | +4 bps | |
| Return on Equity | 1.91% | 1.79% | 1.54% | 1.90% | 1.96% | 2.19% | 2.13% | 1.99% | +9 bps | |
| Net Interest Margin | 2.97% | 3.11% | 3.12% | 3.20% | 3.25% | 3.26% | 3.06% | 3.22% | +2 bps | |
| Efficiency Ratio | 79.82% | 79.58% | 83.38% | 80.36% | 80.10% | 77.70% | 77.83% | 79.35% | -101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.74% | -16.77% | -16.82% | -6.51% | -2.70% | 2.31% | 6.24% | 1.02% | +753 bps | |
| Loan Growth (YoY) | 3.09% | 1.11% | -3.27% | -12.50% | -15.41% | -12.95% | -17.49% | -12.55% | -5 bps | |
| Share Growth (YoY) | -23.20% | -23.67% | -23.74% | -10.69% | -5.29% | 1.90% | 7.86% | 0.73% | +1,142 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 1.86% | 2.83% | 0.21% | 0.19% | 1.00% | 0.09% | 0.09% | -11 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 | 0.38% | 0.50% | 0.52% | 0.52% | 0.53% | 0.55% | 0.60% | 0.59% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 32.14% | 33.78% | 33.82% | 33.50% | 33.65% | 33.75% | 32.60% | 33.92% | +42 bps | |
| Net Worth / Assets | 32.14% | 33.78% | 33.82% | 33.50% | 33.65% | 33.75% | 32.60% | 33.92% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.77% | 67.22% | 64.38% | 61.80% | 59.63% | 57.43% | 49.25% | 53.66% | -815 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |