Carnegie, PA · Charter 21530
NCUA · 1 branch
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 | -0.74% | -0.73% | -0.13% | -0.20% | -0.33% | -0.90% | -0.99% | -0.54% | -34 bps | |
| Return on Equity | -6.21% | -6.23% | -1.11% | -1.68% | -2.86% | -8.28% | -9.58% | -5.23% | -356 bps | |
| Net Interest Margin | 3.73% | 3.79% | 4.40% | 4.32% | 4.43% | 4.47% | 4.20% | 4.22% | -11 bps | |
| Efficiency Ratio | 110.21% | 107.54% | 102.58% | 98.14% | 98.37% | 99.70% | 112.62% | 104.72% | +657 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.88% | -8.67% | -12.47% | -6.81% | -1.60% | -0.48% | 4.88% | 2.89% | +971 bps | |
| Loan Growth (YoY) | 68.35% | 45.75% | 31.53% | 26.45% | 17.54% | 6.52% | 1.45% | -8.82% | -3,527 bps | |
| Share Growth (YoY) | -6.89% | -9.02% | -13.45% | -7.23% | -1.36% | 0.43% | 6.81% | 4.59% | +1,182 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.11% | 0.17% | 0.33% | 1.16% | 0.76% | 1.61% | 2.10% | +176 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 | 0.87% | 0.93% | 0.88% | 1.02% | 1.12% | 1.76% | 1.82% | 1.92% | +89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.83% | 11.74% | 11.93% | 11.65% | 11.60% | 10.89% | 10.29% | 10.27% | -137 bps | |
| Net Worth / Assets | 11.83% | 11.74% | 11.93% | 11.65% | 11.60% | 10.89% | 10.29% | 10.27% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.58% | 77.46% | 81.98% | 82.89% | 85.29% | 82.15% | 77.86% | 72.26% | -1,063 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |