PackageTrendsPeer
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Inspire

Newtown, PA · Charter 1759

NCUA · 5 branches

Q2 2026

$392.1MAssets
$289.1MLoans
$277.8MShares
$41.3MNet 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 0.54%, down 2 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.93% of loans (+34 bps YoY).
  • Capital: net worth / assets of 10.52%, up 6 bps from a year ago.
  • Funding: loans stand at 104.08% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.54%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+28 bps YoY

Efficiency Ratio (YTD, annualized)

81.79%-386 bps YoY

Net Worth / Assets

10.52%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.66%0.57%0.64%0.54%-2 bps
Return on Equity5.31%5.98%5.50%6.14%5.11%-20 bps
Net Interest Margin2.87%3.05%2.88%3.12%3.15%+28 bps
Efficiency Ratio85.64%82.46%81.76%79.36%81.79%-386 bps
Growth
Asset Growth (YoY)9.69%5.15%8.97%6.26%0.71%-898 bps
Loan Growth (YoY)-0.44%-0.57%-2.11%1.52%4.46%+491 bps
Share Growth (YoY)13.83%8.74%3.58%1.29%-7.47%-2,130 bps
Asset Quality
Delinquent Loans / Loans0.59%0.63%0.58%0.75%0.93%+34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.47%11.08%10.27%10.38%10.52%+6 bps
Net Worth / Assets10.47%11.08%10.27%10.38%10.52%+6 bps
Liquidity & Funding
Loans / Shares92.19%94.71%95.16%98.20%104.08%+1,189 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps