Youngwood, PA · Charter 23174
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | -1.26% | -1.42% | 0.67% | 1.21% | +114 bps | |
| Return on Equity | 0.63% | -10.64% | -12.33% | 5.72% | 10.35% | +972 bps | |
| Net Interest Margin | 5.08% | 5.10% | 5.22% | 4.89% | 4.95% | -13 bps | |
| Efficiency Ratio | 77.24% | 83.12% | 82.71% | 83.50% | 74.34% | -290 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.79% | -3.58% | -2.46% | -3.23% | 0.97% | +376 bps | |
| Loan Growth (YoY) | -15.41% | -18.91% | -17.86% | -12.02% | -8.50% | +690 bps | |
| Share Growth (YoY) | -2.54% | -2.47% | -1.59% | -2.53% | 2.11% | +465 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.09% | 1.77% | 0.20% | 0.04% | 0.41% | -369 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.32% | 2.01% | 2.12% | 2.24% | 2.36% | +104 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.52% | 11.83% | 11.50% | 11.64% | 11.74% | -78 bps | |
| Net Worth / Assets | 12.52% | 11.83% | 11.50% | 11.64% | 11.74% | -78 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.05% | 67.77% | 66.95% | 68.67% | 65.46% | -759 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |