PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

GNC Community

New Castle, PA · Charter 1542

NCUA · 2 branches

Q2 2026

$85.0MAssets
$41.8MLoans
$71.4MShares
$13.0MNet 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 0.27%, down 14 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.41% of loans (-4 bps YoY).
  • Capital: net worth / assets of 15.34%, up 30 bps from a year ago.
  • Funding: loans stand at 58.57% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.27%-14 bps YoY

Net Interest Margin (quarter, annualized)

3.61%+13 bps YoY

Efficiency Ratio (quarter, annualized)

90.63%+572 bps YoY

Net Worth / Assets

15.34%+30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.50%0.54%0.39%0.27%-14 bps
Return on Equity2.78%3.25%3.37%2.56%1.78%-100 bps
Net Interest Margin3.48%3.62%3.74%3.69%3.61%+13 bps
Efficiency Ratio84.91%84.66%84.34%87.41%90.63%+572 bps
Growth
Asset Growth (YoY)6.00%6.14%2.50%1.81%3.26%-274 bps
Loan Growth (YoY)5.98%1.71%-1.72%-3.93%-11.06%-1,705 bps
Share Growth (YoY)6.63%7.54%1.70%0.87%2.18%-445 bps
Asset Quality
Delinquent Loans / Loans0.45%0.42%0.63%0.41%0.41%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.04%15.32%15.96%15.27%15.34%+30 bps
Net Worth / Assets15.04%15.32%15.96%15.27%15.34%+30 bps
Liquidity & Funding
Loans / Shares67.29%66.83%64.73%58.19%58.57%-872 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps