Montoursville, PA · Charter 18144
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.89% | 1.86% | 1.56% | 1.10% | 1.21% | -68 bps | |
| Return on Equity | 13.82% | 13.14% | 11.18% | 8.10% | 9.14% | -468 bps | |
| Net Interest Margin | 4.85% | 4.86% | 4.71% | 4.39% | 4.22% | -63 bps | |
| Efficiency Ratio | 63.24% | 64.43% | 69.60% | 77.95% | 70.20% | +696 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.06% | 5.69% | 4.68% | 8.99% | 13.54% | +1,360 bps | |
| Loan Growth (YoY) | -11.47% | -4.68% | -3.03% | -0.79% | -4.63% | +684 bps | |
| Share Growth (YoY) | 2.38% | 4.37% | 3.00% | 9.12% | 13.45% | +1,107 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.18% | 0.47% | 0.09% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 0.87% | 0.86% | 0.78% | 0.91% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.67% | 14.17% | 13.94% | 13.62% | 13.22% | -45 bps | |
| Net Worth / Assets | 13.67% | 14.17% | 13.94% | 13.62% | 13.22% | -45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.10% | 39.73% | 37.30% | 36.39% | 32.87% | -623 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |