Scranton, PA · Charter 22174
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 | 1.37% | 1.09% | 1.23% | 2.09% | 1.47% | 1.13% | 0.72% | 0.64% | -145 bps | |
| Return on Equity | 12.36% | 9.77% | 11.02% | 18.34% | 12.45% | 9.84% | 6.17% | 5.50% | -1,284 bps | |
| Net Interest Margin | 4.66% | 4.90% | 4.80% | 4.70% | 4.79% | 4.72% | 4.32% | 4.24% | -45 bps | |
| Efficiency Ratio | 76.32% | 76.99% | 76.90% | 79.14% | 78.36% | 81.13% | 88.84% | 88.63% | +949 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.03% | 2.18% | 0.02% | 2.86% | 0.87% | 5.37% | 1.91% | 0.31% | -256 bps | |
| Loan Growth (YoY) | -10.88% | -10.80% | -5.62% | 3.49% | 4.06% | 3.09% | 5.16% | 0.28% | -320 bps | |
| Share Growth (YoY) | 3.40% | 1.15% | -1.19% | 1.81% | -0.35% | 4.66% | 1.13% | -0.26% | -207 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 1.85% | 0.89% | 1.25% | 0.95% | 0.50% | 0.66% | 0.44% | -81 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 | 11.06% | 11.16% | 11.18% | 11.41% | 11.81% | 11.45% | 11.71% | 11.72% | +30 bps | |
| Net Worth / Assets | 11.06% | 11.16% | 11.18% | 11.41% | 11.81% | 11.45% | 11.71% | 11.72% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.36% | 57.20% | 56.31% | 59.31% | 58.85% | 56.35% | 58.56% | 59.64% | +32 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |