PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tendto

Erie, PA · Charter 24965

NCUA · 4 branches

Q2 2026

$141.3MAssets
$75.2MLoans
$127.9MShares
$11.7MNet 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 0.28%, down 10 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.51% of loans (-23 bps YoY).
  • Capital: net worth / assets of 8.31%, up 40 bps from a year ago.
  • Funding: loans stand at 58.85% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+28 bps YoY

Efficiency Ratio (YTD, annualized)

84.49%-157 bps YoY

Net Worth / Assets

8.31%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.43%0.27%0.25%0.28%-10 bps
Return on Equity4.77%5.11%3.26%3.04%3.35%-142 bps
Net Interest Margin3.01%3.18%3.19%3.14%3.29%+28 bps
Efficiency Ratio86.06%85.15%88.77%86.35%84.49%-157 bps
Growth
Asset Growth (YoY)n/an/a3.55%-0.40%-3.04%n/a
Loan Growth (YoY)n/an/a1.46%3.03%13.80%n/a
Share Growth (YoY)n/an/a2.38%-1.24%-4.41%n/a
Asset Quality
Delinquent Loans / Loans0.74%0.73%0.82%0.68%0.51%-23 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 Capital7.91%8.38%8.29%8.16%8.31%+40 bps
Net Worth / Assets7.91%8.38%8.29%8.16%8.31%+40 bps
Liquidity & Funding
Loans / Shares49.43%50.98%53.77%51.95%58.85%+942 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps