Fredericktown, PA · Charter 20591
NCUA · 2 branches
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.03% | 0.28% | -8.71% | -19.79% | -21.06% | -1.54% | -1.57% | +715 bps | |
| Return on Equity | 0.99% | 0.13% | 1.62% | -64.70% | -455% | -737% | -65.59% | -51.44% | +1,326 bps | |
| Net Interest Margin | 3.55% | 3.92% | 4.54% | 4.03% | 2.61% | 3.18% | 2.76% | 2.70% | -133 bps | |
| Efficiency Ratio | 95.50% | 99.27% | 93.86% | 147.82% | 204% | 187.29% | 155.77% | 158.14% | +1,032 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.24% | -1.45% | -2.37% | -4.70% | -10.33% | -21.94% | -21.93% | -27.10% | -2,240 bps | |
| Loan Growth (YoY) | 37.17% | 21.01% | -0.07% | -19.20% | -19.89% | -43.20% | -46.58% | -48.75% | -2,955 bps | |
| Share Growth (YoY) | -31.48% | -6.52% | -2.25% | -0.67% | 6.50% | -2.14% | -8.12% | -18.63% | -1,796 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 25.08% | 21.27% | 45.16% | 30.83% | 32.87% | 19.16% | 27.18% | 27.42% | -341 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 | 0.53% | -0.75% | 0.84% | -3.01% | 29.35% | 24.74% | 29.46% | 32.65% | +3,566 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.13% | 22.19% | 17.16% | 13.47% | 4.35% | 2.86% | 2.35% | 3.05% | -1,042 bps | |
| Net Worth / Assets | 16.13% | 22.19% | 17.16% | 13.47% | 4.35% | 2.86% | 2.35% | 3.05% | -1,042 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.06% | 51.77% | 41.56% | 31.82% | 36.15% | 30.05% | 24.16% | 20.05% | -1,178 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |