Hughestown, PA · Charter 20691
NCUA · 2 branches
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 | 1.60% | 1.65% | 2.70% | 2.74% | 2.41% | 2.15% | 1.26% | 1.05% | -169 bps | |
| Return on Equity | 9.18% | 9.23% | 15.29% | 15.20% | 13.19% | 11.98% | 7.03% | 5.79% | -942 bps | |
| Net Interest Margin | 4.53% | 4.52% | 4.82% | 4.98% | 4.66% | 4.38% | 3.71% | 3.78% | -120 bps | |
| Efficiency Ratio | 65.27% | 65.62% | 50.98% | 51.79% | 54.60% | 57.12% | 68.59% | 71.82% | +2,004 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.41% | 4.24% | 7.29% | 4.93% | 8.95% | 13.02% | 9.15% | 7.38% | +245 bps | |
| Loan Growth (YoY) | 3.68% | 4.28% | 0.26% | 4.49% | 1.08% | -2.59% | -0.78% | -1.44% | -593 bps | |
| Share Growth (YoY) | 3.99% | 4.12% | 7.99% | 4.16% | 10.05% | 14.59% | 9.02% | 9.16% | +500 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.08% | 0.97% | 0.84% | 1.32% | 1.56% | 1.92% | 2.00% | +116 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 | 17.46% | 17.84% | 17.66% | 18.04% | 18.24% | 17.92% | 17.98% | 18.15% | +11 bps | |
| Net Worth / Assets | 17.46% | 17.84% | 17.66% | 18.04% | 18.24% | 17.92% | 17.98% | 18.15% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.21% | 51.31% | 46.97% | 47.47% | 47.04% | 43.61% | 42.75% | 42.86% | -461 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |