Wilkes Barre, PA · Charter 2583
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.07% | 0.42% | -0.05% | 0.31% | 0.07% | 1.06% | 0.87% | +92 bps | |
| Return on Equity | 3.94% | 0.51% | 2.80% | -0.32% | 2.08% | 0.48% | 7.15% | 5.83% | +615 bps | |
| Net Interest Margin | 4.94% | 4.75% | 5.21% | 5.34% | 5.36% | 5.30% | 5.87% | 5.66% | +32 bps | |
| Efficiency Ratio | 88.98% | 98.55% | 90.49% | 86.82% | 85.73% | 90.19% | 78.98% | 82.64% | -417 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.97% | -13.66% | -12.80% | -7.54% | -0.70% | -0.10% | 2.30% | 3.19% | +1,073 bps | |
| Loan Growth (YoY) | -5.32% | -7.13% | -3.79% | -3.66% | -1.23% | 0.41% | -1.63% | -3.66% | -1 bps | |
| Share Growth (YoY) | -19.03% | -17.29% | -12.26% | -5.70% | 0.10% | 1.51% | 2.36% | 3.05% | +875 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.17% | 1.82% | 2.37% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.56% | 0.60% | 0.87% | 0.66% | 0.55% | 0.34% | 0.40% | -48 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.86% | 14.54% | 14.92% | 14.92% | 14.83% | 14.63% | 14.82% | 14.99% | +7 bps | |
| Net Worth / Assets | 14.86% | 14.54% | 14.92% | 14.92% | 14.83% | 14.63% | 14.82% | 14.99% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.47% | 78.81% | 78.91% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |