Johnstown, PA · Charter 2405
NCUA · 6 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 | 1.84% | 1.86% | 1.09% | 1.29% | 1.66% | -19 bps | |
| Return on Equity | 13.65% | 13.41% | 8.17% | 9.68% | 12.06% | -159 bps | |
| Net Interest Margin | 4.26% | 4.25% | 3.45% | 4.02% | 4.27% | +1 bps | |
| Efficiency Ratio | 59.12% | 60.46% | 71.76% | 69.68% | 64.18% | +506 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.09% | 5.06% | 5.97% | 4.83% | 5.92% | +83 bps | |
| Loan Growth (YoY) | 10.86% | 9.41% | 6.08% | 3.24% | 1.97% | -889 bps | |
| Share Growth (YoY) | 3.75% | 3.84% | 5.56% | 4.30% | 5.58% | +183 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.74% | 1.58% | 0.86% | 0.74% | +5 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 | 13.52% | 13.89% | 13.38% | 13.29% | 13.74% | +23 bps | |
| Net Worth / Assets | 13.52% | 13.89% | 13.38% | 13.29% | 13.74% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.36% | 60.47% | 57.75% | 54.86% | 57.32% | -203 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |