Harrisburg, PA · Charter 2625
NCUA · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.81% | 0.56% | 0.75% | 0.75% | 0.81% | 0.72% | 0.81% | +7 bps | |
| Return on Equity | 8.51% | 8.74% | 6.18% | 8.07% | 6.89% | 7.58% | 6.83% | 7.69% | -38 bps | |
| Net Interest Margin | 4.20% | 4.17% | 3.84% | 3.97% | 3.25% | 3.41% | 3.91% | 3.90% | -7 bps | |
| Efficiency Ratio | 74.43% | 74.37% | 80.63% | 77.77% | 76.11% | 75.37% | 78.91% | 76.67% | -110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.00% | -1.68% | 2.89% | 3.35% | 56.80% | 61.16% | 59.63% | 61.80% | +5,845 bps | |
| Loan Growth (YoY) | -19.41% | -20.16% | -10.58% | 5.42% | 66.03% | 77.88% | 65.12% | 45.81% | +4,040 bps | |
| Share Growth (YoY) | -3.40% | -2.62% | 2.18% | 2.38% | 55.09% | 59.41% | 58.74% | 61.34% | +5,896 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.73% | 0.70% | 0.52% | 0.56% | 0.82% | 0.59% | 0.63% | +11 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.38% | 9.29% | 9.02% | 9.25% | 10.92% | 10.67% | 10.48% | 10.56% | +131 bps | |
| Net Worth / Assets | 9.38% | 9.29% | 9.02% | 9.25% | 10.92% | 10.67% | 10.48% | 10.56% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.91% | 65.06% | 65.59% | 74.65% | 74.84% | 72.60% | 68.23% | 67.46% | -718 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |