PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Stanwood Area

New Stanton, PA · Charter 4088

NCUA · 1 branch

Q2 2026

$18.6MAssets
$10.7MLoans
$16.6MShares
$1.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.30%, down 23 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 1.07% of loans (-85 bps YoY).
  • Capital: net worth / assets of 10.45%, up 30 bps from a year ago.
  • Funding: loans stand at 64.57% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.30%-23 bps YoY

Net Interest Margin (quarter, annualized)

4.53%+75 bps YoY

Efficiency Ratio (quarter, annualized)

86.35%+972 bps YoY

Net Worth / Assets

10.45%+30 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.37%0.28%0.53%0.41%0.36%0.32%0.30%-23 bps
Return on Equity3.73%3.55%2.85%5.21%3.99%3.40%3.09%2.83%-239 bps
Net Interest Margin3.74%3.76%3.51%3.78%3.87%4.07%4.41%4.53%+75 bps
Efficiency Ratio79.42%80.24%78.07%76.63%81.43%82.77%88.20%86.35%+972 bps
Growth
Asset Growth (YoY)-6.07%-5.44%6.58%6.35%7.34%1.99%-3.45%-0.66%-701 bps
Loan Growth (YoY)10.40%3.09%0.96%0.77%-2.17%-1.10%0.02%1.02%+25 bps
Share Growth (YoY)-6.89%-6.52%6.65%6.41%7.26%1.65%-4.33%-1.23%-763 bps
Asset Quality
Delinquent Loans / Loans2.30%1.81%1.81%1.92%1.55%1.57%1.04%1.07%-85 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 Capital10.41%10.38%9.74%10.16%10.22%10.54%10.45%10.45%+30 bps
Net Worth / Assets10.41%10.38%9.74%10.16%10.22%10.54%10.45%10.45%+30 bps
Liquidity & Funding
Loans / Shares68.22%66.64%60.85%63.13%62.22%64.84%63.62%64.57%+143 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps