Shavertown, PA · Charter 21458
NCUA · 1 branch
Q2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.37% | 0.51% | 0.67% | 0.64% | +44 bps | |
| Return on Equity | 0.95% | 1.62% | 2.16% | 2.83% | 2.32% | +137 bps | |
| Net Interest Margin | 2.33% | 2.51% | 2.55% | 2.71% | 3.15% | +81 bps | |
| Efficiency Ratio | 73.40% | 71.88% | 70.50% | 75.85% | 79.36% | +596 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.16% | -10.71% | -6.78% | -5.77% | -19.22% | -1,206 bps | |
| Loan Growth (YoY) | -2.97% | -0.55% | -5.70% | -2.26% | -1.21% | +176 bps | |
| Share Growth (YoY) | -9.42% | -13.89% | -9.26% | -8.16% | -25.45% | -1,603 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.89% | 1.86% | 3.01% | 3.07% | 6.80% | +391 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 0.97% | 1.02% | 0.84% | 0.78% | -33 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.73% | 23.03% | 23.37% | 23.52% | 27.68% | +596 bps | |
| Net Worth / Assets | 21.73% | 23.03% | 23.37% | 23.52% | 27.68% | +596 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.00% | 55.37% | 53.86% | 54.28% | 67.58% | +1,658 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |