PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Galaxy

Franklin, PA · Charter 4116

NCUA · 2 branches

Q2 2026

$72.6MAssets
$31.6MLoans
$59.8MShares
$12.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.47%, down 40 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.27% of loans (-55 bps YoY).
  • Capital: net worth / assets of 17.27%, down 74 bps from a year ago.
  • Funding: loans stand at 52.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.47%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+6 bps YoY

Efficiency Ratio (YTD, annualized)

77.00%+538 bps YoY

Net Worth / Assets

17.27%-74 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.90%0.79%0.77%0.47%-40 bps
Return on Equity4.80%5.03%4.52%4.46%2.72%-208 bps
Net Interest Margin3.00%2.99%2.97%2.97%3.06%+6 bps
Efficiency Ratio71.62%71.25%72.55%74.18%77.00%+538 bps
Growth
Asset Growth (YoY)7.38%8.20%6.98%7.11%7.70%+31 bps
Loan Growth (YoY)-4.40%-0.64%2.91%4.20%4.91%+931 bps
Share Growth (YoY)7.81%8.48%7.58%7.42%8.56%+74 bps
Asset Quality
Delinquent Loans / Loans0.82%0.51%0.68%0.41%0.27%-55 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.01%17.86%17.54%17.15%17.27%-74 bps
Net Worth / Assets18.01%17.86%17.54%17.15%17.27%-74 bps
Liquidity & Funding
Loans / Shares54.65%54.53%53.84%52.23%52.82%-184 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps