New Castle, PA · Charter 1542
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 | 0.21% | 0.30% | -0.09% | 0.42% | 0.50% | 0.54% | 0.39% | 0.27% | -14 bps | |
| Return on Equity | 1.32% | 1.92% | -0.63% | 2.78% | 3.25% | 3.37% | 2.56% | 1.78% | -100 bps | |
| Net Interest Margin | 3.05% | 3.12% | 3.08% | 3.48% | 3.62% | 3.74% | 3.69% | 3.61% | +13 bps | |
| Efficiency Ratio | 91.24% | 88.84% | 90.92% | 84.91% | 84.66% | 84.34% | 87.41% | 90.63% | +572 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.59% | 3.24% | 7.41% | 6.00% | 6.14% | 2.50% | 1.81% | 3.26% | -274 bps | |
| Loan Growth (YoY) | 4.45% | 1.18% | -0.29% | 5.98% | 1.71% | -1.72% | -3.93% | -11.06% | -1,705 bps | |
| Share Growth (YoY) | 1.58% | 4.19% | 8.40% | 6.63% | 7.54% | 1.70% | 0.87% | 2.18% | -445 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.79% | 0.81% | 0.45% | 0.42% | 0.63% | 0.41% | 0.41% | -4 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.71% | 15.37% | 14.49% | 15.04% | 15.32% | 15.96% | 15.27% | 15.34% | +30 bps | |
| Net Worth / Assets | 15.71% | 15.37% | 14.49% | 15.04% | 15.32% | 15.96% | 15.27% | 15.34% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.67% | 66.98% | 61.10% | 67.29% | 66.83% | 64.73% | 58.19% | 58.57% | -872 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |