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Letter portraitLegal landscapeQuarterYTD

Pocono Medical Center

East Stroudsbur, PA · Charter 21240

NCUA · 1 branch

Q2 2026

$3.4MAssets
$1.4MLoans
$3.0MShares
$441KNet Worth

Executive Summary

  • Earnings: ROA of 0.07%, down 30 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 0.28% of loans (+28 bps YoY).
  • Capital: net worth / assets of 12.90%, up 127 bps from a year ago.
  • Funding: loans stand at 46.49% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.07%-30 bps YoY

Net Interest Margin (quarter, annualized)

4.53%-19 bps YoY

Efficiency Ratio (quarter, annualized)

98.54%+1,015 bps YoY

Net Worth / Assets

12.90%+127 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.83%0.56%0.36%0.39%0.39%0.32%0.07%-30 bps
Return on Equity8.32%7.07%4.81%3.13%3.14%3.10%2.49%0.53%-260 bps
Net Interest Margin4.78%4.88%4.55%4.72%4.91%4.94%4.38%4.53%-19 bps
Efficiency Ratio80.62%83.46%87.43%88.38%89.37%90.21%93.02%98.54%+1,015 bps
Growth
Asset Growth (YoY)-10.87%-5.22%-5.73%-8.71%-5.33%-4.33%-5.67%-8.18%+53 bps
Loan Growth (YoY)11.23%5.34%0.06%-10.89%-13.40%-17.59%-18.88%-14.05%-316 bps
Share Growth (YoY)-12.95%-6.84%-7.30%-10.41%-6.64%-5.41%-6.84%-9.51%+89 bps
Asset Quality
Delinquent Loans / Loans0.11%0.00%0.27%0.00%0.30%0.48%0.30%0.28%+28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.41%0.36%0.41%0.41%0.44%0.50%0.38%0.40%-1 bps
Capital
Risk-Based Capital11.51%11.67%11.69%11.63%12.56%12.59%12.72%12.90%+127 bps
Net Worth / Assets11.51%11.67%11.69%11.63%12.56%12.59%12.72%12.90%+127 bps
Liquidity & Funding
Loans / Shares58.53%56.32%53.67%48.95%54.29%49.07%46.73%46.49%-245 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps