Clarion, PA · Charter 3655
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 1.53% | 1.29% | 1.47% | 1.39% | -18 bps | |
| Return on Equity | 15.08% | 14.75% | 12.75% | 14.72% | 13.95% | -113 bps | |
| Net Interest Margin | 3.13% | 3.05% | 2.82% | 3.11% | 3.07% | -6 bps | |
| Efficiency Ratio | 59.77% | 59.69% | 62.92% | 60.13% | 62.17% | +239 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.06% | 14.12% | 15.41% | 15.12% | 18.94% | +788 bps | |
| Loan Growth (YoY) | 10.26% | 10.85% | 10.86% | 10.53% | 9.22% | -104 bps | |
| Share Growth (YoY) | 10.99% | 14.31% | 15.36% | 15.48% | 19.53% | +854 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.59% | 0.51% | 0.61% | 0.60% | +29 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 | 10.41% | 10.40% | 10.14% | 9.98% | 9.97% | -44 bps | |
| Net Worth / Assets | 10.41% | 10.40% | 10.14% | 9.98% | 9.97% | -44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.53% | 87.96% | 85.62% | 81.73% | 80.89% | -764 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |