Allentown, PA · Charter 23725
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.88% | 1.98% | 1.77% | 2.64% | 2.91% | 3.13% | 2.35% | 2.31% | -33 bps | |
| Return on Equity | 10.52% | 9.81% | 8.99% | 12.67% | 13.78% | 12.79% | 10.29% | 9.21% | -346 bps | |
| Net Interest Margin | 3.14% | 3.55% | 3.58% | 3.79% | 4.13% | 4.52% | 3.43% | 3.57% | -22 bps | |
| Efficiency Ratio | 35.84% | 35.45% | 51.99% | 31.53% | 30.51% | 31.11% | 31.62% | 35.22% | +369 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.97% | -3.60% | -4.46% | 0.57% | -3.47% | -5.54% | -0.84% | -6.64% | -721 bps | |
| Loan Growth (YoY) | -18.91% | -31.91% | -33.64% | -24.68% | -21.25% | -24.54% | -25.13% | -39.03% | -1,435 bps | |
| Share Growth (YoY) | -13.54% | -6.67% | -7.51% | -2.14% | -7.25% | -10.64% | -4.74% | -11.70% | -955 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.44% | 1.32% | 1.49% | 1.40% | 1.51% | 1.75% | 1.98% | 2.30% | +90 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.88% | 20.15% | 19.69% | 20.83% | 21.10% | 24.46% | 22.84% | 25.11% | +429 bps | |
| Net Worth / Assets | 17.88% | 20.15% | 19.69% | 20.83% | 21.10% | 24.46% | 22.84% | 25.11% | +429 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.78% | 30.30% | 25.63% | 27.94% | 25.28% | 25.59% | 20.15% | 19.29% | -865 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |