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Penn-Trafford School Emp.

Trafford, PA · Charter 17014

NCUA · 2 branches

Q2 2026

$5.3MAssets
$2.2MLoans
$4.2MShares
$1.1MNet 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 1.85%, down 43 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.00% of loans (-48 bps YoY).
  • Capital: net worth / assets of 21.24%, up 180 bps from a year ago.
  • Funding: loans stand at 52.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.85%-43 bps YoY

Net Interest Margin (YTD, annualized)

3.74%-38 bps YoY

Efficiency Ratio (YTD, annualized)

48.19%+551 bps YoY

Net Worth / Assets

21.24%+180 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.27%2.33%2.28%1.72%1.85%-43 bps
Return on Equity11.69%11.25%10.89%8.44%8.70%-299 bps
Net Interest Margin4.12%4.25%4.19%3.65%3.74%-38 bps
Efficiency Ratio42.68%43.08%43.30%50.24%48.19%+551 bps
Growth
Asset Growth (YoY)4.13%-5.27%-3.92%3.25%1.12%-300 bps
Loan Growth (YoY)-7.21%-5.19%1.00%1.12%2.92%+1,014 bps
Share Growth (YoY)1.40%-9.06%-7.32%1.51%-1.05%-245 bps
Asset Quality
Delinquent Loans / Loans0.48%0.51%0.00%0.00%0.00%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.03%2.22%1.71%1.79%1.74%-29 bps
Capital
Risk-Based Capital19.44%20.68%20.95%20.42%21.24%+180 bps
Net Worth / Assets19.44%20.68%20.95%20.42%21.24%+180 bps
Liquidity & Funding
Loans / Shares50.76%49.85%51.44%48.30%52.80%+204 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps