Pleasant Gap, PA · Charter 1882
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 | 1.21% | 1.26% | 1.51% | 1.53% | 1.57% | 0.99% | 1.53% | 1.56% | +2 bps | |
| Return on Equity | 7.89% | 8.21% | 9.96% | 9.97% | 10.10% | 6.58% | 10.11% | 10.09% | +11 bps | |
| Net Interest Margin | 2.81% | 2.83% | 2.88% | 2.91% | 2.93% | 2.50% | 2.81% | 2.82% | -9 bps | |
| Efficiency Ratio | 47.80% | 47.47% | 46.61% | 46.33% | 45.83% | 58.46% | 47.54% | 46.87% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.20% | 3.06% | 3.47% | 4.45% | 9.10% | 9.01% | 7.02% | 6.51% | +206 bps | |
| Loan Growth (YoY) | -6.46% | -8.07% | -7.99% | -8.43% | -8.57% | -9.00% | -8.38% | -4.79% | +364 bps | |
| Share Growth (YoY) | -2.76% | 2.03% | 2.40% | 3.41% | 8.76% | 9.40% | 6.98% | 6.42% | +301 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.48% | 0.31% | 0.40% | 0.25% | 0.34% | 0.07% | 0.31% | -9 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.34% | 15.38% | 15.20% | 15.37% | 15.57% | 15.08% | 15.18% | 15.43% | +6 bps | |
| Net Worth / Assets | 15.34% | 15.38% | 15.20% | 15.37% | 15.57% | 15.08% | 15.18% | 15.43% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.73% | 68.09% | 63.63% | 62.39% | 60.30% | 56.64% | 54.49% | 55.81% | -657 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |