PackageTrendsPeer
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Du Bois, PA · Charter 19655

NCUA · 7 branches

Q2 2026

$187.3MAssets
$127.2MLoans
$163.8MShares
$22.7MNet 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 1.50%, down 23 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.81% of loans (+13 bps YoY).
  • Capital: net worth / assets of 12.12%, up 4 bps from a year ago.
  • Funding: loans stand at 77.64% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.50%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.64%-31 bps YoY

Efficiency Ratio (YTD, annualized)

60.80%+116 bps YoY

Net Worth / Assets

12.12%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.73%1.83%1.80%1.52%1.50%-23 bps
Return on Equity14.32%14.84%14.45%12.40%12.39%-193 bps
Net Interest Margin3.95%3.96%3.82%3.73%3.64%-31 bps
Efficiency Ratio59.64%57.70%58.99%59.55%60.80%+116 bps
Growth
Asset Growth (YoY)7.88%8.92%10.80%12.38%15.27%+739 bps
Loan Growth (YoY)13.46%15.40%14.26%14.84%16.21%+275 bps
Share Growth (YoY)6.67%7.80%9.90%11.85%15.20%+853 bps
Asset Quality
Delinquent Loans / Loans0.68%0.55%0.71%0.56%0.81%+13 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 Capital12.07%12.36%12.43%12.25%12.12%+4 bps
Net Worth / Assets12.07%12.36%12.43%12.25%12.12%+4 bps
Liquidity & Funding
Loans / Shares76.97%76.25%72.54%76.33%77.64%+68 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps