PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cheswick Atomic Division

Harwick, PA · Charter 15234

NCUA · 3 branches

Q2 2026

$4.8MAssets
$1.7MLoans
$3.2MShares
$1.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.68%, up 4 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.09% of loans (-11 bps YoY).
  • Capital: net worth / assets of 33.92%, up 42 bps from a year ago.
  • Funding: loans stand at 53.66% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.68%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+2 bps YoY

Efficiency Ratio (YTD, annualized)

79.35%-101 bps YoY

Net Worth / Assets

33.92%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.60%0.52%0.64%0.66%0.74%0.70%0.68%+4 bps
Return on Equity1.91%1.79%1.54%1.90%1.96%2.19%2.13%1.99%+9 bps
Net Interest Margin2.97%3.11%3.12%3.20%3.25%3.26%3.06%3.22%+2 bps
Efficiency Ratio79.82%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 / Loans1.72%1.86%2.83%0.21%0.19%1.00%0.09%0.09%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.38%0.50%0.52%0.52%0.53%0.55%0.60%0.59%+7 bps
Capital
Risk-Based Capital32.14%33.78%33.82%33.50%33.65%33.75%32.60%33.92%+42 bps
Net Worth / Assets32.14%33.78%33.82%33.50%33.65%33.75%32.60%33.92%+42 bps
Liquidity & Funding
Loans / Shares66.77%67.22%64.38%61.80%59.63%57.43%49.25%53.66%-815 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps