Jeannette, PA · Charter 390
NCUA · 5 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 | 1.15% | 1.25% | 1.10% | 1.19% | 1.16% | 1.18% | 0.72% | 0.86% | -33 bps | |
| Return on Equity | 8.30% | 8.90% | 7.92% | 8.41% | 7.91% | 7.81% | 4.90% | 5.71% | -270 bps | |
| Net Interest Margin | 4.32% | 4.37% | 4.26% | 4.37% | 4.47% | 4.53% | 4.28% | 4.48% | +11 bps | |
| Efficiency Ratio | 73.56% | 71.83% | 75.87% | 74.32% | 75.60% | 75.78% | 82.88% | 82.08% | +776 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.75% | 2.14% | 3.42% | 4.09% | 3.28% | 0.99% | 1.03% | 0.18% | -391 bps | |
| Loan Growth (YoY) | 32.56% | 22.50% | 10.67% | 2.58% | 1.43% | 3.12% | 5.04% | 5.53% | +295 bps | |
| Share Growth (YoY) | -0.65% | 0.71% | 2.43% | 2.82% | 2.31% | -0.20% | -0.03% | -0.72% | -353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 0.42% | 0.41% | 0.47% | 0.37% | 0.77% | 0.39% | 0.38% | -9 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 | 13.86% | 14.07% | 13.83% | 14.20% | 14.68% | 15.09% | 14.74% | 15.15% | +94 bps | |
| Net Worth / Assets | 13.86% | 14.07% | 13.83% | 14.20% | 14.68% | 15.09% | 14.74% | 15.15% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.57% | 71.24% | 67.44% | 68.59% | 71.95% | 73.61% | 70.86% | 72.90% | +431 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |