Trafford, PA · Charter 17014
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 | 2.84% | 2.71% | 2.23% | 2.27% | 2.33% | 2.28% | 1.72% | 1.85% | -43 bps | |
| Return on Equity | 16.38% | 15.08% | 11.77% | 11.69% | 11.25% | 10.89% | 8.44% | 8.70% | -299 bps | |
| Net Interest Margin | 4.54% | 4.46% | 4.15% | 4.12% | 4.25% | 4.19% | 3.65% | 3.74% | -38 bps | |
| Efficiency Ratio | 35.73% | 37.62% | 43.93% | 42.68% | 43.08% | 43.30% | 50.24% | 48.19% | +551 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.04% | 2.07% | 1.47% | 4.13% | -5.27% | -3.92% | 3.25% | 1.12% | -300 bps | |
| Loan Growth (YoY) | -6.18% | -5.95% | -12.81% | -7.21% | -5.19% | 1.00% | 1.12% | 2.92% | +1,014 bps | |
| Share Growth (YoY) | -3.59% | -1.17% | -1.96% | 1.40% | -9.06% | -7.32% | 1.51% | -1.05% | -245 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.12% | 0.12% | 0.48% | 0.51% | 0.00% | 0.00% | 0.00% | -48 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 | 1.97% | 2.10% | 2.18% | 2.03% | 2.22% | 1.71% | 1.79% | 1.74% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.36% | 17.94% | 18.95% | 19.44% | 20.68% | 20.95% | 20.42% | 21.24% | +180 bps | |
| Net Worth / Assets | 17.36% | 17.94% | 18.95% | 19.44% | 20.68% | 20.95% | 20.42% | 21.24% | +180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.82% | 47.21% | 48.49% | 50.76% | 49.85% | 51.44% | 48.30% | 52.80% | +204 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |