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Butler County Teachers

Butler, PA · Charter 3085

NCUA · 1 branch

Q2 2026

$28.9MAssets
$7.4MLoans
$24.8MShares
$4.0MNet Worth

Executive Summary

  • Earnings: ROA of 2.27%, up 15 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 1.85% of loans (+114 bps YoY).
  • Capital: net worth / assets of 13.76%, up 210 bps from a year ago.
  • Funding: loans stand at 29.94% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

2.27%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.22%-16 bps YoY

Efficiency Ratio (quarter, annualized)

25.87%-675 bps YoY

Net Worth / Assets

13.76%+210 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.72%1.82%1.94%2.12%2.21%2.23%2.16%2.27%+15 bps
Return on Equity17.21%17.06%17.43%18.18%17.93%17.29%16.32%16.52%-167 bps
Net Interest Margin2.95%3.06%3.28%3.38%3.43%3.41%3.17%3.22%-16 bps
Efficiency Ratio34.83%35.72%33.71%32.62%32.68%31.27%24.59%25.87%-675 bps
Growth
Asset Growth (YoY)-0.46%0.24%-1.67%-0.88%-1.52%-0.17%1.30%1.39%+227 bps
Loan Growth (YoY)3.57%-3.35%-6.37%-12.99%-16.82%-19.93%-19.83%-19.91%-691 bps
Share Growth (YoY)-2.73%-2.39%-3.85%-3.44%-3.57%-2.28%-2.15%-1.06%+238 bps
Asset Quality
Delinquent Loans / Loans1.27%1.18%0.71%0.71%1.01%2.17%2.43%1.85%+114 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.00%10.64%11.13%11.66%12.31%12.88%13.23%13.76%+210 bps
Net Worth / Assets10.00%10.64%11.13%11.66%12.31%12.88%13.23%13.76%+210 bps
Liquidity & Funding
Loans / Shares41.61%40.97%38.57%36.98%35.89%33.57%31.60%29.94%-704 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps