PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

P & G Mehoopany Employees

Tunkhannock, PA · Charter 20861

NCUA · 4 branches

Q2 2026

$195.3MAssets
$80.3MLoans
$165.4MShares
$29.0MNet Worth

Executive Summary

  • Earnings: ROA of 1.58%, down 15 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.14% of loans (-21 bps YoY).
  • Capital: net worth / assets of 14.85%, up 55 bps from a year ago.
  • Funding: loans stand at 48.57% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.58%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.62%-3 bps YoY

Efficiency Ratio (YTD, annualized)

58.31%+125 bps YoY

Net Worth / Assets

14.85%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.61%1.57%1.73%1.76%1.61%1.31%1.58%-15 bps
Return on Equity13.04%11.61%11.34%12.07%11.85%10.91%9.18%10.62%-145 bps
Net Interest Margin3.68%3.67%3.57%3.65%3.72%3.64%3.51%3.62%-3 bps
Efficiency Ratio56.81%59.16%57.50%57.06%55.91%58.67%62.03%58.31%+125 bps
Growth
Asset Growth (YoY)-1.15%1.75%0.44%2.10%2.43%5.52%7.91%7.21%+511 bps
Loan Growth (YoY)-2.68%-1.17%-1.28%-2.45%-3.16%-3.12%3.83%9.49%+1,193 bps
Share Growth (YoY)-3.25%0.06%-1.50%0.36%0.61%4.13%7.25%6.51%+615 bps
Asset Quality
Delinquent Loans / Loans0.57%0.52%0.36%0.35%0.32%0.35%0.21%0.14%-21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.58%13.84%13.82%14.30%14.85%14.72%14.29%14.85%+55 bps
Net Worth / Assets13.58%13.84%13.82%14.30%14.85%14.72%14.29%14.85%+55 bps
Liquidity & Funding
Loans / Shares50.26%50.47%48.39%47.25%48.38%46.96%46.85%48.57%+132 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps