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Letter portraitLegal landscapeQuarterYTD

Cmc-Fcpi Employees

Scranton, PA · Charter 22174

NCUA · 1 branch

Q2 2026

$10.8MAssets
$5.7MLoans
$9.5MShares
$1.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.64%, down 145 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.44% of loans (-81 bps YoY).
  • Capital: net worth / assets of 11.72%, up 30 bps from a year ago.
  • Funding: loans stand at 59.64% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.64%-145 bps YoY

Net Interest Margin (quarter, annualized)

4.24%-45 bps YoY

Efficiency Ratio (quarter, annualized)

88.63%+949 bps YoY

Net Worth / Assets

11.72%+30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.09%1.47%1.13%0.72%0.64%-145 bps
Return on Equity18.34%12.45%9.84%6.17%5.50%-1,284 bps
Net Interest Margin4.70%4.79%4.72%4.32%4.24%-45 bps
Efficiency Ratio79.14%78.36%81.13%88.84%88.63%+949 bps
Growth
Asset Growth (YoY)2.86%0.87%5.37%1.91%0.31%-256 bps
Loan Growth (YoY)3.49%4.06%3.09%5.16%0.28%-320 bps
Share Growth (YoY)1.81%-0.35%4.66%1.13%-0.26%-207 bps
Asset Quality
Delinquent Loans / Loans1.25%0.95%0.50%0.66%0.44%-81 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.41%11.81%11.45%11.71%11.72%+30 bps
Net Worth / Assets11.41%11.81%11.45%11.71%11.72%+30 bps
Liquidity & Funding
Loans / Shares59.31%58.85%56.35%58.56%59.64%+32 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps