New Alexandria, PA · Charter 18775
NCUA · 1 branch
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.59% | -0.20% | -2.31% | -1.68% | -1.28% | -287 bps | |
| Return on Equity | 9.69% | -1.29% | -15.35% | -10.12% | -7.84% | -1,753 bps | |
| Net Interest Margin | 4.51% | 4.82% | 4.63% | 4.92% | 4.69% | +18 bps | |
| Efficiency Ratio | 65.16% | 83.19% | 109.78% | 106.42% | 105.79% | +4,063 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.24% | -4.42% | -4.00% | -7.43% | -7.19% | -495 bps | |
| Loan Growth (YoY) | 1.41% | -6.57% | -7.73% | -9.17% | -10.91% | -1,232 bps | |
| Share Growth (YoY) | -4.18% | -5.95% | -3.54% | -7.03% | -7.17% | -299 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.12% | 0.13% | 0.12% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 1.41% | 2.84% | 2.79% | 2.85% | +195 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.42% | 15.85% | 15.05% | 16.62% | 16.35% | -7 bps | |
| Net Worth / Assets | 16.42% | 15.85% | 15.05% | 16.62% | 16.35% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.83% | 60.44% | 58.18% | 66.51% | 61.26% | -257 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |