Harrisburg, PA · Charter 24385
NCUA · 2 branches
Q2 2025
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.56% | 0.42% | 0.59% | 0.37% | -6 bps | |
| Return on Equity | 3.57% | 4.52% | 3.51% | 4.71% | 2.93% | -64 bps | |
| Net Interest Margin | 4.24% | 4.34% | 4.23% | 4.46% | 4.71% | +47 bps | |
| Efficiency Ratio | 81.88% | 81.62% | 82.77% | 79.84% | 83.48% | +160 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.02% | -5.54% | 4.75% | 7.41% | 4.85% | +1,087 bps | |
| Loan Growth (YoY) | 15.16% | 13.70% | 18.49% | 19.45% | 14.56% | -60 bps | |
| Share Growth (YoY) | -3.97% | -3.50% | 4.35% | 8.00% | 3.76% | +773 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.88% | 0.80% | 0.16% | 0.05% | -52 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 | 12.14% | 12.39% | 11.84% | 12.44% | 12.80% | +67 bps | |
| Net Worth / Assets | 12.14% | 12.39% | 11.84% | 12.44% | 12.80% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.13% | 60.10% | 63.19% | 58.75% | 61.97% | +584 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |