PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Pius X Church

Rochester, NY · Charter 18090

NCUA · 1 branch

Q2 2026

$97.5MAssets
$62.2MLoans
$87.9MShares
$9.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.35%, up 9 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 2.54% of loans (+165 bps YoY).
  • Capital: net worth / assets of 9.87%, down 4 bps from a year ago.
  • Funding: loans stand at 70.70% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.35%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.12%+40 bps YoY

Efficiency Ratio (quarter, annualized)

83.78%-249 bps YoY

Net Worth / Assets

9.87%-4 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.38%0.01%0.19%0.25%0.34%0.31%0.31%0.35%+9 bps
Return on Equity-3.86%0.07%1.89%2.56%3.43%3.20%3.20%3.52%+97 bps
Net Interest Margin2.40%2.42%2.62%2.72%2.75%2.81%2.93%3.12%+40 bps
Efficiency Ratio97.64%95.20%90.91%86.27%85.11%84.47%86.10%83.78%-249 bps
Growth
Asset Growth (YoY)-0.93%-1.04%0.49%0.07%3.10%3.46%3.72%3.25%+318 bps
Loan Growth (YoY)-5.06%-5.39%-5.74%-3.23%-3.83%-4.06%-2.89%0.63%+386 bps
Share Growth (YoY)0.48%-1.27%0.18%-0.29%3.06%3.44%3.78%3.20%+349 bps
Asset Quality
Delinquent Loans / Loans1.04%1.20%0.72%0.89%1.24%1.78%1.34%2.54%+165 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.76%9.93%9.82%9.92%9.91%9.82%9.71%9.87%-4 bps
Net Worth / Assets9.76%9.93%9.82%9.92%9.91%9.82%9.71%9.87%-4 bps
Liquidity & Funding
Loans / Shares75.81%74.90%72.37%72.50%70.74%69.47%67.71%70.70%-180 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps