Kingston, PA · Charter 23467
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 | 0.07% | 0.39% | 0.24% | 0.41% | 0.45% | 1.02% | 1.01% | 0.82% | +41 bps | |
| Return on Equity | 0.41% | 2.35% | 1.46% | 2.49% | 2.59% | 5.85% | 5.79% | 4.68% | +219 bps | |
| Net Interest Margin | 3.73% | 4.10% | 3.83% | 3.66% | 3.73% | 4.14% | 4.46% | 4.46% | +80 bps | |
| Efficiency Ratio | 77.30% | 72.59% | 87.21% | 82.42% | 82.69% | 72.48% | 66.79% | 66.26% | -1,616 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.04% | -5.10% | -6.47% | -6.03% | -3.34% | 0.49% | 1.51% | 1.18% | +720 bps | |
| Loan Growth (YoY) | 1.72% | -2.32% | -3.73% | -4.99% | -5.66% | -6.58% | -13.36% | -15.61% | -1,062 bps | |
| Share Growth (YoY) | -6.18% | -6.45% | -7.99% | -7.64% | -4.78% | -0.66% | 0.38% | -0.03% | +761 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.41% | 1.70% | 9.39% | 2.42% | 3.79% | 3.20% | 2.81% | 4.23% | +181 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 | 0.61% | 0.69% | 0.69% | 0.89% | 0.79% | 0.81% | 1.34% | 1.87% | +98 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.97% | 16.50% | 16.53% | 16.50% | 17.20% | 17.44% | 17.49% | 17.52% | +102 bps | |
| Net Worth / Assets | 15.97% | 16.50% | 16.53% | 16.50% | 17.20% | 17.44% | 17.49% | 17.52% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.83% | 39.88% | 39.91% | 39.04% | 39.46% | 37.50% | 34.45% | 32.95% | -608 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |