Wilkes Barre, PA · Charter 2583
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.31% | 0.07% | 1.06% | 0.87% | +92 bps | |
| Return on Equity | -0.32% | 2.08% | 0.48% | 7.15% | 5.83% | +615 bps | |
| Net Interest Margin | 5.34% | 5.36% | 5.30% | 5.87% | 5.66% | +32 bps | |
| Efficiency Ratio | 86.82% | 85.73% | 90.19% | 78.98% | 82.64% | -417 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.54% | -0.70% | -0.10% | 2.30% | 3.19% | +1,073 bps | |
| Loan Growth (YoY) | -3.66% | -1.23% | 0.41% | -1.63% | -3.66% | -1 bps | |
| Share Growth (YoY) | -5.70% | 0.10% | 1.51% | 2.36% | 3.05% | +875 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 2.72% | 0.58% | 0.13% | 0.85% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.66% | 0.55% | 0.34% | 0.40% | -48 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.92% | 14.83% | 14.63% | 14.82% | 14.99% | +7 bps | |
| Net Worth / Assets | 14.92% | 14.83% | 14.63% | 14.82% | 14.99% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.88% | 77.43% | 77.96% | 75.83% | 73.74% | -514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |