PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

New Alliance

Ambridge, PA · Charter 373

NCUA · 3 branches

Q2 2026

$113.3MAssets
$62.5MLoans
$101.5MShares
$9.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.03%, unchanged from a year ago; NIM at 3.63%.
  • Asset quality: problem loans at 1.97% of loans (+18 bps YoY).
  • Capital: net worth / assets of 8.72%, up 20 bps from a year ago.
  • Funding: loans stand at 61.58% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.03%0 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+28 bps YoY

Efficiency Ratio (YTD, annualized)

73.98%-240 bps YoY

Net Worth / Assets

8.72%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.29%0.84%1.03%1.09%0.98%1.05%1.03%0 bps
Return on Equity3.48%3.46%9.85%12.09%12.27%11.58%12.43%11.76%-33 bps
Net Interest Margin2.91%2.96%3.17%3.35%3.51%3.14%3.63%3.63%+28 bps
Efficiency Ratio90.69%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 / Loans1.12%1.82%2.02%1.79%2.12%2.66%2.35%1.97%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.39%8.33%8.54%8.52%8.92%8.48%8.46%8.72%+20 bps
Net Worth / Assets8.39%8.33%8.54%8.52%8.92%8.48%8.46%8.72%+20 bps
Liquidity & Funding
Loans / Shares63.48%63.68%64.54%63.60%64.33%60.17%60.62%61.58%-202 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps