Johnstown, PA · Charter 3120
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 | 0.18% | 0.09% | -0.32% | -0.14% | -0.12% | -0.04% | 0.60% | 0.32% | +47 bps | |
| Return on Equity | 0.75% | 0.36% | -1.33% | -0.58% | -0.50% | -0.17% | 2.36% | 1.24% | +182 bps | |
| Net Interest Margin | 2.81% | 2.83% | 2.54% | 2.55% | 2.63% | 2.71% | 3.36% | 3.38% | +83 bps | |
| Efficiency Ratio | 93.71% | 96.84% | 112.73% | 105.65% | 104.71% | 101.56% | 82.30% | 90.45% | -1,519 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.23% | -7.89% | -4.56% | -5.13% | -3.28% | -2.53% | -2.91% | -4.30% | +83 bps | |
| Loan Growth (YoY) | -7.00% | -5.88% | -5.69% | -5.31% | 2.41% | 4.00% | 4.43% | 7.20% | +1,251 bps | |
| Share Growth (YoY) | -13.16% | -10.27% | -5.89% | -6.61% | -4.25% | -3.30% | -4.09% | -6.08% | +53 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.63% | 1.61% | 1.42% | 1.94% | 1.73% | 1.63% | 1.38% | 1.04% | -91 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 | 0.65% | 0.66% | 0.64% | 0.65% | 0.62% | 0.62% | 0.61% | 0.60% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.12% | 24.43% | 24.32% | 24.67% | 24.87% | 25.02% | 25.24% | 26.08% | +141 bps | |
| Net Worth / Assets | 24.12% | 24.43% | 24.32% | 24.67% | 24.87% | 25.02% | 25.24% | 26.08% | +141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.76% | 67.95% | 68.16% | 68.94% | 72.47% | 73.08% | 74.22% | 78.69% | +975 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |