Brackenridge, PA · Charter 4095
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.33% | 1.81% | 1.80% | 1.68% | 1.38% | 1.15% | 1.30% | -50 bps | |
| Return on Equity | 6.68% | 6.34% | 8.91% | 8.75% | 7.76% | 6.41% | 5.27% | 5.82% | -293 bps | |
| Net Interest Margin | 3.54% | 3.62% | 3.70% | 3.82% | 3.91% | 3.84% | 3.62% | 3.63% | -19 bps | |
| Efficiency Ratio | 61.95% | 61.89% | 53.22% | 55.12% | 55.65% | 59.77% | 69.57% | 65.96% | +1,084 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.14% | -5.06% | 2.15% | 4.71% | 3.37% | 4.15% | -1.22% | -3.17% | -788 bps | |
| Loan Growth (YoY) | 22.06% | 13.59% | 8.51% | 5.92% | 3.05% | 2.43% | 0.42% | -5.78% | -1,170 bps | |
| Share Growth (YoY) | -5.96% | -3.63% | 0.82% | 3.84% | 2.24% | 3.39% | -3.05% | -5.36% | -920 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.31% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 20.73% | 21.05% | 20.33% | 20.52% | 21.59% | 21.60% | 21.78% | 22.30% | +178 bps | |
| Net Worth / Assets | 20.73% | 21.05% | 20.33% | 20.52% | 21.59% | 21.60% | 21.78% | 22.30% | +178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.01% | 50.58% | 46.86% | 47.61% | 51.42% | 50.11% | 48.54% | 47.40% | -21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |