McKeesport, PA · Charter 2003
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 | 2.01% | 1.52% | 2.47% | 2.16% | 2.14% | 1.84% | 2.72% | 2.64% | +48 bps | |
| Return on Equity | 8.30% | 6.29% | 9.90% | 8.44% | 8.18% | 7.01% | 10.25% | 9.82% | +138 bps | |
| Net Interest Margin | 4.31% | 4.27% | 5.29% | 5.15% | 5.42% | 5.18% | 5.83% | 5.33% | +18 bps | |
| Efficiency Ratio | 52.18% | 58.73% | 41.30% | 45.73% | 46.54% | 53.72% | 53.46% | 51.14% | +541 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.06% | 8.17% | 7.13% | 4.92% | -1.60% | -0.67% | 1.36% | 3.06% | -185 bps | |
| Loan Growth (YoY) | 5.73% | 10.32% | 12.73% | 11.20% | 4.12% | 1.78% | 3.94% | 0.21% | -1,099 bps | |
| Share Growth (YoY) | 8.03% | 8.66% | 7.02% | 4.12% | -4.23% | -3.35% | -0.72% | 1.27% | -285 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 1.90% | 1.69% | 1.49% | 0.09% | 0.62% | 0.51% | 3.51% | +202 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 | 0.13% | 0.13% | 0.14% | 0.14% | 0.43% | 0.43% | 0.43% | 0.45% | +31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.19% | 24.21% | 24.98% | 25.56% | 26.21% | 26.21% | 26.53% | 26.86% | +130 bps | |
| Net Worth / Assets | 24.19% | 24.21% | 24.98% | 25.56% | 26.21% | 26.21% | 26.53% | 26.86% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.59% | 111.02% | 112.54% | 116.29% | 116.96% | 116.91% | 117.82% | 115.08% | -121 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |