PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Titan

Pleasant Gap, PA · Charter 1882

NCUA · 1 branch

Q2 2026

$69.5MAssets
$32.8MLoans
$58.8MShares
$10.7MNet 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 1.56%, up 2 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.31% of loans (-9 bps YoY).
  • Capital: net worth / assets of 15.43%, up 6 bps from a year ago.
  • Funding: loans stand at 55.81% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.56%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-9 bps YoY

Efficiency Ratio (YTD, annualized)

46.87%+54 bps YoY

Net Worth / Assets

15.43%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.57%0.99%1.53%1.56%+2 bps
Return on Equity9.97%10.10%6.58%10.11%10.09%+11 bps
Net Interest Margin2.91%2.93%2.50%2.81%2.82%-9 bps
Efficiency Ratio46.33%45.83%58.46%47.54%46.87%+54 bps
Growth
Asset Growth (YoY)4.45%9.10%9.01%7.02%6.51%+206 bps
Loan Growth (YoY)-8.43%-8.57%-9.00%-8.38%-4.79%+364 bps
Share Growth (YoY)3.41%8.76%9.40%6.98%6.42%+301 bps
Asset Quality
Delinquent Loans / Loans0.40%0.25%0.34%0.07%0.31%-9 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 Capital15.37%15.57%15.08%15.18%15.43%+6 bps
Net Worth / Assets15.37%15.57%15.08%15.18%15.43%+6 bps
Liquidity & Funding
Loans / Shares62.39%60.30%56.64%54.49%55.81%-657 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps