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Mt Pleasant Area School Emp

Mount Pleasant, PA · Charter 17136

NCUA · 1 branch

Q2 2026

$2.3MAssets
$358KLoans
$1.7MShares
$577KNet 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 1.65%, down 26 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 25.40%, up 188 bps from a year ago.
  • Funding: loans stand at 21.12% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.65%-26 bps YoY

Net Interest Margin (YTD, annualized)

2.35%-26 bps YoY

Efficiency Ratio (YTD, annualized)

30.62%+281 bps YoY

Net Worth / Assets

25.40%+188 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.91%2.01%1.91%1.79%1.65%-26 bps
Return on Equity8.11%8.37%7.87%7.15%6.49%-162 bps
Net Interest Margin2.60%2.65%2.53%2.47%2.35%-26 bps
Efficiency Ratio27.82%25.76%26.04%28.04%30.62%+281 bps
Growth
Asset Growth (YoY)-7.30%-1.34%-1.37%-3.48%-0.33%+696 bps
Loan Growth (YoY)-15.74%-16.50%-23.49%-25.50%-31.90%-1,616 bps
Share Growth (YoY)-11.48%-4.34%-4.18%-6.87%-2.78%+870 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.03%1.13%1.21%1.29%1.51%+48 bps
Capital
Risk-Based Capital23.52%23.99%24.25%24.97%25.40%+188 bps
Net Worth / Assets23.52%23.99%24.25%24.97%25.40%+188 bps
Liquidity & Funding
Loans / Shares30.15%27.53%25.60%24.42%21.12%-903 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps