PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northampton Area School Dist. Emps

Northampton, PA · Charter 24911

NCUA · 1 branch

Q2 2026

$11.7MAssets
$4.8MLoans
$9.2MShares
$2.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.47%, down 3 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.09% of loans (+9 bps YoY).
  • Capital: net worth / assets of 20.91%, up 262 bps from a year ago.
  • Funding: loans stand at 51.77% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.47%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.38%+5 bps YoY

Efficiency Ratio (YTD, annualized)

38.59%+262 bps YoY

Net Worth / Assets

20.91%+262 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.32%1.32%1.42%1.47%-3 bps
Return on Equity8.19%6.91%6.82%7.17%7.02%-117 bps
Net Interest Margin2.32%2.44%2.43%2.32%2.38%+5 bps
Efficiency Ratio35.97%46.25%46.15%39.09%38.59%+262 bps
Growth
Asset Growth (YoY)8.90%5.96%1.85%-2.78%-6.71%-1,561 bps
Loan Growth (YoY)-5.63%-1.50%-2.11%-2.59%-3.03%+260 bps
Share Growth (YoY)9.07%5.50%0.38%-5.04%-9.79%-1,886 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.09%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.29%19.10%19.29%19.88%20.91%+262 bps
Net Worth / Assets18.29%19.10%19.29%19.88%20.91%+262 bps
Liquidity & Funding
Loans / Shares48.17%52.10%49.77%49.50%51.77%+361 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps