Scranton, PA · Charter 2742
NCUA · 5 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 | 0.26% | 0.25% | 0.23% | 0.35% | 0.42% | 0.49% | 0.69% | 0.65% | +29 bps | |
| Return on Equity | 2.52% | 2.38% | 2.28% | 3.44% | 4.01% | 4.70% | 6.58% | 6.11% | +267 bps | |
| Net Interest Margin | 2.95% | 2.89% | 2.65% | 2.75% | 2.83% | 2.83% | 2.88% | 2.83% | +8 bps | |
| Efficiency Ratio | 90.74% | 91.36% | 92.37% | 89.56% | 87.82% | 85.92% | 82.85% | 83.61% | -595 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.74% | 2.10% | 3.56% | 2.44% | 3.36% | 4.70% | 2.14% | 4.02% | +159 bps | |
| Loan Growth (YoY) | -8.96% | -10.52% | -7.30% | -1.59% | 1.39% | 2.65% | -1.85% | -1.24% | +35 bps | |
| Share Growth (YoY) | 0.02% | 1.16% | 1.86% | 0.95% | 2.28% | 2.74% | 0.74% | 2.74% | +179 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.47% | 0.16% | 0.47% | 0.15% | 0.46% | 0.19% | 0.20% | -27 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 | 10.49% | 10.48% | 10.13% | 10.33% | 10.52% | 10.50% | 10.52% | 10.57% | +23 bps | |
| Net Worth / Assets | 10.49% | 10.48% | 10.13% | 10.33% | 10.52% | 10.50% | 10.52% | 10.57% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.11% | 50.10% | 48.59% | 50.85% | 51.66% | 50.06% | 47.34% | 48.87% | -197 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |