Saint Marys, PA · Charter 20053
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.73% | 2.71% | 2.58% | 2.17% | 2.21% | -51 bps | |
| Return on Equity | 14.70% | 14.08% | 13.40% | 11.26% | 11.26% | -344 bps | |
| Net Interest Margin | 4.36% | 4.43% | 4.36% | 4.16% | 4.16% | -20 bps | |
| Efficiency Ratio | 49.49% | 50.19% | 50.85% | 53.68% | 54.31% | +482 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.92% | 5.67% | 7.06% | 6.95% | 6.68% | +276 bps | |
| Loan Growth (YoY) | -0.77% | 0.13% | 2.56% | 0.24% | 4.92% | +569 bps | |
| Share Growth (YoY) | 1.33% | 3.40% | 5.18% | 5.20% | 5.17% | +384 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.14% | 0.11% | 0.05% | 0.08% | -22 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.55% | 19.27% | 19.27% | 19.25% | 19.68% | +112 bps | |
| Net Worth / Assets | 18.55% | 19.27% | 19.27% | 19.25% | 19.68% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.26% | 61.48% | 59.67% | 56.47% | 60.11% | -14 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |