PackageTrendsPeer
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PPG & Associates

Creighton, PA · Charter 370

NCUA · 3 branches

Q2 2026

$19.6MAssets
$4.8MLoans
$17.4MShares
$3.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.20%, down 1 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.42% of loans (-11 bps YoY).
  • Capital: net worth / assets of 16.67%, up 97 bps from a year ago.
  • Funding: loans stand at 27.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.20%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+25 bps YoY

Efficiency Ratio (YTD, annualized)

93.77%+373 bps YoY

Net Worth / Assets

16.67%+97 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.25%0.19%0.18%0.20%-1 bps
Return on Equity1.37%1.57%1.17%1.10%1.20%-17 bps
Net Interest Margin3.06%3.17%3.22%3.20%3.31%+25 bps
Efficiency Ratio90.04%90.37%91.95%94.75%93.77%+373 bps
Growth
Asset Growth (YoY)-1.58%-3.90%-4.42%-4.93%-4.81%-323 bps
Loan Growth (YoY)0.99%-10.20%-12.86%-18.79%-11.39%-1,238 bps
Share Growth (YoY)-2.33%-5.05%-5.31%-5.95%-5.68%-335 bps
Asset Quality
Delinquent Loans / Loans0.53%0.56%0.68%0.56%0.42%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.70%16.16%16.35%16.30%16.67%+97 bps
Net Worth / Assets15.70%16.16%16.35%16.30%16.67%+97 bps
Liquidity & Funding
Loans / Shares29.61%28.96%28.00%25.99%27.82%-179 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps