PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mon Valley Community

Allenport, PA · Charter 1911

NCUA · 1 branch

Q2 2026

$193.4MAssets
$58.0MLoans
$134.0MShares
$63.4MNet Worth

Executive Summary

  • Earnings: ROA of 2.51%, down 13 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 2.76% of loans (+23 bps YoY).
  • Capital: net worth / assets of 32.77%, up 104 bps from a year ago.
  • Funding: loans stand at 43.29% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

2.51%-13 bps YoY

Net Interest Margin (quarter, annualized)

3.40%-14 bps YoY

Efficiency Ratio (quarter, annualized)

27.99%+23 bps YoY

Net Worth / Assets

32.77%+104 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.08%2.99%2.57%2.64%2.64%2.51%2.48%2.51%-13 bps
Return on Equity9.81%9.51%8.09%8.32%8.22%7.67%7.58%7.67%-65 bps
Net Interest Margin4.04%3.92%3.50%3.54%3.53%3.54%3.42%3.40%-14 bps
Efficiency Ratio25.21%25.16%28.69%27.77%28.15%31.87%29.25%27.99%+23 bps
Growth
Asset Growth (YoY)-1.00%0.25%2.67%4.91%6.96%4.43%4.81%4.52%-38 bps
Loan Growth (YoY)1.89%4.42%6.97%6.93%9.90%10.73%13.43%19.82%+1,289 bps
Share Growth (YoY)-7.35%-3.83%-1.32%1.86%5.23%1.22%2.79%2.66%+80 bps
Asset Quality
Delinquent Loans / Loans2.16%2.69%2.26%2.53%2.43%2.03%2.07%2.76%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital31.44%31.50%31.72%31.73%32.06%32.67%32.73%32.77%+104 bps
Net Worth / Assets31.44%31.50%31.72%31.73%32.06%32.67%32.73%32.77%+104 bps
Liquidity & Funding
Loans / Shares37.21%37.04%37.54%37.09%38.85%40.53%41.42%43.29%+620 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps