PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chrome

Canonsburg, PA · Charter 20558

NCUA · 4 branches

Q2 2026

$223.6MAssets
$154.4MLoans
$188.0MShares
$34.2MNet 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 0.58%, up 12 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 0.89% of loans (+42 bps YoY).
  • Capital: net worth / assets of 15.31%, up 55 bps from a year ago.
  • Funding: loans stand at 82.11% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%+12 bps YoY

Net Interest Margin (YTD, annualized)

4.38%+51 bps YoY

Efficiency Ratio (YTD, annualized)

82.75%-468 bps YoY

Net Worth / Assets

15.31%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.47%0.50%0.39%0.58%+12 bps
Return on Equity3.12%2.97%3.26%2.56%3.80%+68 bps
Net Interest Margin3.87%3.70%3.89%4.37%4.38%+51 bps
Efficiency Ratio87.44%87.43%86.78%85.56%82.75%-468 bps
Growth
Asset Growth (YoY)-1.68%8.19%9.49%12.08%12.88%+1,456 bps
Loan Growth (YoY)-5.11%3.32%10.76%11.95%16.32%+2,144 bps
Share Growth (YoY)1.78%16.00%18.08%16.64%17.94%+1,617 bps
Asset Quality
Delinquent Loans / Loans0.47%0.71%0.58%0.77%0.89%+42 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 Capital14.76%15.74%15.38%15.07%15.31%+55 bps
Net Worth / Assets14.76%15.74%15.38%15.07%15.31%+55 bps
Liquidity & Funding
Loans / Shares83.26%78.70%79.25%78.46%82.11%-115 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps