Wampum, PA · Charter 2612
NCUA · 2 branches
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 | 0.62% | 0.47% | 0.61% | 0.07% | -0.36% | -98 bps | |
| Return on Equity | 5.12% | 3.85% | 4.78% | 0.53% | -2.69% | -781 bps | |
| Net Interest Margin | 4.37% | 4.29% | 4.34% | 4.38% | 4.46% | +9 bps | |
| Efficiency Ratio | 86.47% | 89.57% | 86.98% | 85.29% | 86.69% | +22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.77% | 1.11% | 0.50% | -3.33% | -7.27% | -904 bps | |
| Loan Growth (YoY) | 10.67% | 7.97% | -2.14% | -3.93% | -8.51% | -1,918 bps | |
| Share Growth (YoY) | 2.01% | 0.88% | -0.14% | -4.03% | -8.43% | -1,044 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.84% | 1.25% | 1.90% | 1.66% | 1.09% | +25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 1.00% | 1.00% | 1.01% | 1.01% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.19% | 12.28% | 12.67% | 13.16% | 13.27% | +108 bps | |
| Net Worth / Assets | 12.19% | 12.28% | 12.67% | 13.16% | 13.27% | +108 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.22% | 81.42% | 82.74% | 83.98% | 83.15% | -7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |