Kittanning, PA · Charter 19745
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.99% | 1.46% | 1.21% | 1.04% | 1.11% | 0.58% | 0.68% | -53 bps | |
| Return on Equity | 6.54% | 6.91% | 10.02% | 8.37% | 6.92% | 7.22% | 3.83% | 4.40% | -397 bps | |
| Net Interest Margin | 3.03% | 3.03% | 3.10% | 2.91% | 3.03% | 3.02% | 2.80% | 2.79% | -12 bps | |
| Efficiency Ratio | 66.03% | 65.34% | 66.93% | 66.43% | 66.87% | 66.60% | 80.30% | 74.02% | +759 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.12% | -1.85% | -4.13% | 0.53% | 0.97% | 0.09% | 1.76% | -0.93% | -146 bps | |
| Loan Growth (YoY) | 32.18% | 27.68% | 36.14% | 23.43% | 27.05% | 16.70% | 2.58% | -2.39% | -2,582 bps | |
| Share Growth (YoY) | -3.58% | -3.23% | -5.85% | -0.53% | -0.14% | -1.20% | 1.01% | -2.04% | -151 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.33% | 0.80% | 0.70% | 0.68% | 0.88% | 0.22% | 0.64% | -6 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 | 14.05% | 14.28% | 14.57% | 14.50% | 14.98% | 15.37% | 15.18% | 15.45% | +95 bps | |
| Net Worth / Assets | 14.05% | 14.28% | 14.57% | 14.50% | 14.98% | 15.37% | 15.18% | 15.45% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.19% | 20.58% | 22.53% | 22.68% | 24.42% | 24.31% | 22.89% | 22.60% | -8 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |