Wyoming, PA · Charter 22723
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 | -0.02% | 0.17% | -0.17% | 0.07% | 0.88% | 1.03% | 0.68% | 0.81% | +73 bps | |
| Return on Equity | -0.14% | 1.22% | -1.19% | 0.51% | 5.85% | 6.75% | 4.48% | 5.16% | +465 bps | |
| Net Interest Margin | 2.45% | 2.52% | 2.09% | 2.56% | 3.47% | 3.36% | 3.34% | 3.48% | +92 bps | |
| Efficiency Ratio | 100.79% | 93.45% | 108.01% | 97.17% | 74.93% | 69.63% | 79.89% | 77.04% | -2,012 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.95% | -6.43% | -5.58% | -2.70% | -3.20% | -4.24% | -1.69% | -3.37% | -67 bps | |
| Loan Growth (YoY) | 22.74% | 18.82% | 12.23% | 15.85% | 3.84% | -0.54% | -6.36% | -15.15% | -3,100 bps | |
| Share Growth (YoY) | -10.37% | -7.73% | -7.01% | -4.05% | -4.69% | -6.15% | -2.85% | -5.00% | -94 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 3.11% | 1.56% | 0.61% | 0.62% | 2.36% | 2.57% | 1.70% | +109 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 | 0.38% | 0.41% | 0.40% | 0.38% | 0.40% | 0.36% | 0.37% | 0.39% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.76% | 13.84% | 14.18% | 14.32% | 15.06% | 15.29% | 15.19% | 15.65% | +133 bps | |
| Net Worth / Assets | 13.76% | 13.84% | 14.18% | 14.32% | 15.06% | 15.29% | 15.19% | 15.65% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.73% | 51.33% | 54.31% | 56.96% | 56.37% | 54.39% | 52.35% | 50.87% | -609 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |