Allentown, PA · Charter 16746
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 | 1.91% | 1.82% | 1.64% | 1.68% | 1.76% | 1.77% | 1.59% | 1.56% | -12 bps | |
| Return on Equity | 13.45% | 12.58% | 11.39% | 11.35% | 11.40% | 11.40% | 10.22% | 9.90% | -144 bps | |
| Net Interest Margin | 2.75% | 2.71% | 2.79% | 2.79% | 2.89% | 2.84% | 2.74% | 2.65% | -14 bps | |
| Efficiency Ratio | 40.32% | 42.63% | 49.49% | 48.03% | 47.38% | 46.62% | 50.16% | 49.15% | +112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.83% | 4.91% | 9.26% | 5.98% | 3.60% | 4.82% | 3.89% | 5.28% | -70 bps | |
| Loan Growth (YoY) | -6.63% | -6.88% | -5.43% | 1.23% | 4.75% | 6.32% | 11.01% | 5.37% | +414 bps | |
| Share Growth (YoY) | 5.58% | 3.47% | 8.55% | 4.83% | 2.12% | 3.44% | 2.42% | 4.09% | -74 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.19% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 14.21% | 14.42% | 14.38% | 14.77% | 15.43% | 15.53% | 15.58% | 15.71% | +94 bps | |
| Net Worth / Assets | 14.21% | 14.42% | 14.38% | 14.77% | 15.43% | 15.53% | 15.58% | 15.71% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.49% | 35.44% | 34.58% | 36.92% | 37.43% | 36.43% | 37.48% | 37.38% | +45 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |