Montoursville, PA · Charter 18144
NCUA · 1 branch
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 | 2.49% | 1.92% | 1.84% | 1.89% | 1.86% | 1.56% | 1.10% | 1.21% | -68 bps | |
| Return on Equity | 18.63% | 14.82% | 13.75% | 13.82% | 13.14% | 11.18% | 8.10% | 9.14% | -468 bps | |
| Net Interest Margin | 5.52% | 5.21% | 4.92% | 4.85% | 4.86% | 4.71% | 4.39% | 4.22% | -63 bps | |
| Efficiency Ratio | 57.21% | 65.19% | 65.18% | 63.24% | 64.43% | 69.60% | 77.95% | 70.20% | +696 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.50% | -7.60% | -2.50% | -0.06% | 5.69% | 4.68% | 8.99% | 13.54% | +1,360 bps | |
| Loan Growth (YoY) | -8.89% | -15.29% | -9.00% | -11.47% | -4.68% | -3.03% | -0.79% | -4.63% | +684 bps | |
| Share Growth (YoY) | -26.50% | -10.49% | -5.31% | 2.38% | 4.37% | 3.00% | 9.12% | 13.45% | +1,107 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.13% | 0.14% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.82% | 0.82% | 0.90% | 0.87% | 0.86% | 0.78% | 0.91% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.37% | 12.96% | 13.38% | 13.67% | 14.17% | 13.94% | 13.62% | 13.22% | -45 bps | |
| Net Worth / Assets | 13.37% | 12.96% | 13.38% | 13.67% | 14.17% | 13.94% | 13.62% | 13.22% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.50% | 39.62% | 40.03% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |