Sayre, PA · Charter 23394
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.39% | 0.40% | 0.41% | 0.42% | +8 bps | |
| Return on Equity | 3.20% | 3.52% | 3.67% | 3.86% | 3.86% | +66 bps | |
| Net Interest Margin | 2.82% | 2.89% | 2.83% | 2.80% | 2.88% | +6 bps | |
| Efficiency Ratio | 86.76% | 85.65% | 85.02% | 85.71% | 86.93% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.81% | 3.18% | 5.07% | 3.65% | 2.02% | -479 bps | |
| Loan Growth (YoY) | 19.05% | 18.37% | 7.37% | 2.01% | 0.91% | -1,814 bps | |
| Share Growth (YoY) | 5.90% | 2.54% | 3.31% | 2.47% | 1.10% | -480 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.41% | 0.62% | 0.66% | 0.31% | -28 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.72% | 11.00% | 10.87% | 10.65% | 10.90% | +18 bps | |
| Net Worth / Assets | 10.72% | 11.00% | 10.87% | 10.65% | 10.90% | +18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.20% | 56.97% | 56.16% | 54.04% | 55.10% | -10 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |