Newell, PA · Charter 19045
NCUA · 3 branches
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 | 0.18% | 0.17% | 0.22% | 0.50% | 0.66% | 0.74% | -0.16% | 0.02% | -49 bps | |
| Return on Equity | 1.98% | 1.88% | 2.34% | 5.37% | 6.83% | 7.03% | -1.52% | 0.16% | -521 bps | |
| Net Interest Margin | 3.13% | 3.32% | 3.71% | 3.73% | 3.80% | 4.08% | 3.93% | 3.95% | +22 bps | |
| Efficiency Ratio | 90.66% | 90.73% | 88.06% | 85.09% | 83.12% | 82.97% | 103.44% | 99.59% | +1,450 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.53% | -5.22% | -6.74% | -6.45% | -2.97% | -5.56% | -6.19% | -8.01% | -157 bps | |
| Loan Growth (YoY) | 8.20% | 13.69% | 3.11% | -0.51% | 0.31% | -7.18% | -8.25% | -5.04% | -453 bps | |
| Share Growth (YoY) | -7.30% | -6.00% | -7.81% | -7.69% | -3.83% | -6.85% | -7.49% | -9.28% | -159 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.10% | 0.10% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | -7 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 | 0.44% | 0.43% | 0.60% | 0.62% | 0.59% | 0.62% | 0.63% | 0.56% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.92% | 9.24% | 9.29% | 9.38% | 9.73% | 10.53% | 10.55% | 10.68% | +130 bps | |
| Net Worth / Assets | 8.92% | 9.24% | 9.29% | 9.38% | 9.73% | 10.53% | 10.55% | 10.68% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.69% | 61.30% | 60.55% | 57.78% | 59.13% | 61.09% | 60.05% | 60.49% | +271 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |