Bethlehem, PA · Charter 1669
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.53% | 1.53% | 1.36% | 1.61% | 1.61% | +8 bps | |
| Return on Equity | 6.22% | 6.21% | 5.70% | 6.70% | 6.86% | +64 bps | |
| Net Interest Margin | 4.31% | 4.26% | 3.96% | 4.14% | 4.11% | -20 bps | |
| Efficiency Ratio | 65.99% | 65.51% | 67.27% | 62.27% | 62.13% | -386 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.74% | -0.96% | 6.12% | 7.68% | 9.79% | +1,152 bps | |
| Loan Growth (YoY) | -0.49% | -2.21% | 4.51% | 4.84% | 4.56% | +504 bps | |
| Share Growth (YoY) | -4.32% | -3.30% | 6.48% | 8.13% | 10.84% | +1,515 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.06% | 1.03% | 0.93% | 1.04% | 1.22% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.62% | 0.68% | 0.68% | 0.69% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.59% | 24.72% | 23.84% | 24.07% | 23.41% | -119 bps | |
| Net Worth / Assets | 24.59% | 24.72% | 23.84% | 24.07% | 23.41% | -119 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.85% | 89.27% | 89.04% | 90.94% | 86.65% | -520 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |