Johnstown, PA · Charter 20921
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 | 0.41% | 0.31% | 0.40% | 0.37% | 0.56% | 0.69% | 1.28% | 1.21% | +84 bps | |
| Return on Equity | 3.80% | 2.96% | 3.87% | 3.59% | 5.22% | 6.27% | 11.64% | 10.68% | +709 bps | |
| Net Interest Margin | 1.98% | 1.95% | 1.96% | 2.04% | 2.23% | 2.36% | 2.72% | 2.84% | +80 bps | |
| Efficiency Ratio | 82.38% | 85.18% | 82.22% | 83.87% | 79.35% | 76.87% | 62.28% | 63.22% | -2,065 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.39% | 0.79% | 3.34% | 7.15% | 3.65% | 2.05% | 1.93% | 1.03% | -612 bps | |
| Loan Growth (YoY) | -4.39% | -7.02% | -9.39% | -7.78% | -7.22% | -8.81% | -8.13% | -8.78% | -100 bps | |
| Share Growth (YoY) | 1.10% | 2.40% | 4.86% | 6.38% | 2.54% | 0.48% | 0.52% | -0.08% | -646 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.39% | 0.22% | 0.33% | 0.23% | 0.47% | 0.28% | 1.02% | +69 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 | 10.80% | 10.55% | 10.35% | 10.38% | 10.82% | 11.00% | 11.01% | 11.34% | +95 bps | |
| Net Worth / Assets | 10.80% | 10.55% | 10.35% | 10.38% | 10.82% | 11.00% | 11.01% | 11.34% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.86% | 33.92% | 31.30% | 31.24% | 32.45% | 30.78% | 28.61% | 28.52% | -272 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |