Beaver, PA · Charter 2098
NCUA · 1 branch
Q1 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.50% | 3.73% | 3.62% | 3.42% | -0.76% | -525 bps | |
| Return on Equity | 16.24% | 13.63% | 13.04% | 10.10% | -2.19% | -1,843 bps | |
| Net Interest Margin | 6.24% | 4.71% | 4.48% | 5.06% | 1.89% | -435 bps | |
| Efficiency Ratio | 27.99% | 20.76% | 19.10% | 32.30% | 139.94% | +11,195 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.48% | 8.99% | 3.01% | -14.22% | -20.78% | -2,426 bps | |
| Loan Growth (YoY) | -7.89% | -5.56% | -10.87% | -75.87% | -80.02% | -7,213 bps | |
| Share Growth (YoY) | 3.19% | 10.36% | 2.88% | -21.43% | -28.34% | -3,154 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.85% | 2.89% | 4.95% | 9.72% | 19.29% | +1,543 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.67% | 27.37% | 27.79% | 33.92% | 34.56% | +689 bps | |
| Net Worth / Assets | 27.67% | 27.37% | 27.79% | 33.92% | 34.56% | +689 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.22% | 37.24% | 22.32% | 15.13% | 8.15% | -2,108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |