Ambridge, PA · Charter 373
NCUA · 3 branches
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 | 0.29% | 0.29% | 0.84% | 1.03% | 1.09% | 0.98% | 1.05% | 1.03% | 0 bps | |
| Return on Equity | 3.48% | 3.46% | 9.85% | 12.09% | 12.27% | 11.58% | 12.43% | 11.76% | -33 bps | |
| Net Interest Margin | 2.91% | 2.96% | 3.17% | 3.35% | 3.51% | 3.14% | 3.63% | 3.63% | +28 bps | |
| Efficiency Ratio | 90.69% | 87.11% | 84.54% | 76.39% | 74.39% | 74.36% | 73.56% | 73.98% | -240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.35% | 0.15% | -0.10% | 2.70% | 3.65% | 16.60% | 14.70% | 10.20% | +751 bps | |
| Loan Growth (YoY) | -0.24% | 0.33% | 3.74% | 5.00% | 4.59% | 7.92% | 6.80% | 5.57% | +57 bps | |
| Share Growth (YoY) | 0.59% | -0.92% | -1.10% | 1.89% | 3.21% | 14.22% | 13.70% | 9.03% | +714 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 1.82% | 2.02% | 1.79% | 2.12% | 2.66% | 2.35% | 1.97% | +18 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.39% | 8.33% | 8.54% | 8.52% | 8.92% | 8.48% | 8.46% | 8.72% | +20 bps | |
| Net Worth / Assets | 8.39% | 8.33% | 8.54% | 8.52% | 8.92% | 8.48% | 8.46% | 8.72% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.48% | 63.68% | 64.54% | 63.60% | 64.33% | 60.17% | 60.62% | 61.58% | -202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |