Carnegie, PA · Charter 3278
NCUA · 1 branch
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 | 0.71% | 0.64% | 0.48% | -0.12% | 0.03% | -67 bps | |
| Return on Equity | 7.06% | 6.11% | 4.73% | -1.19% | 0.32% | -674 bps | |
| Net Interest Margin | 3.85% | 3.94% | 3.81% | 3.45% | 3.49% | -36 bps | |
| Efficiency Ratio | 82.55% | 84.45% | 85.44% | 102.89% | 98.61% | +1,606 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.50% | -3.54% | 2.15% | -6.57% | -2.07% | +43 bps | |
| Loan Growth (YoY) | -12.56% | -10.70% | -7.56% | -6.98% | -5.36% | +719 bps | |
| Share Growth (YoY) | -3.55% | -4.70% | 1.87% | -7.53% | -2.32% | +123 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.08% | 0.71% | 0.06% | 0.17% | -11 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.00% | 10.45% | 10.07% | 9.98% | 10.26% | +26 bps | |
| Net Worth / Assets | 10.00% | 10.45% | 10.07% | 9.98% | 10.26% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.94% | 38.64% | 36.61% | 35.08% | 36.75% | -118 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |