Beaver Falls, PA · Charter 21845
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 | 0.69% | 0.64% | 1.86% | 0.72% | 0.76% | 0.69% | 0.66% | 0.69% | -2 bps | |
| Return on Equity | 4.45% | 4.06% | 11.81% | 4.37% | 4.62% | 4.13% | 3.97% | 4.13% | -24 bps | |
| Net Interest Margin | 2.90% | 2.96% | 4.46% | 3.38% | 3.39% | 3.33% | 3.46% | 3.49% | +11 bps | |
| Efficiency Ratio | 80.16% | 81.84% | 62.32% | 81.75% | 78.57% | 80.50% | 80.95% | 80.82% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.07% | -1.54% | -0.58% | -3.69% | -1.66% | -1.58% | -1.75% | 1.33% | +502 bps | |
| Loan Growth (YoY) | -4.76% | -2.90% | -3.10% | 4.71% | 1.80% | -1.09% | 0.90% | -1.44% | -615 bps | |
| Share Growth (YoY) | -0.96% | -2.59% | -1.60% | -5.21% | -2.74% | -2.82% | -2.87% | 0.80% | +601 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.89% | 0.02% | 1.36% | 0.00% | 1.08% | 1.65% | 1.45% | +9 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 | 15.49% | 15.79% | 15.79% | 16.37% | 16.44% | 16.73% | 16.70% | 16.82% | +44 bps | |
| Net Worth / Assets | 15.49% | 15.79% | 15.79% | 16.37% | 16.44% | 16.73% | 16.70% | 16.82% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.78% | 47.93% | 46.09% | 48.58% | 47.92% | 48.78% | 47.88% | 47.50% | -108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |