Franklin, PA · Charter 4116
NCUA · 2 branches
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 | 0.72% | 0.68% | 0.54% | 0.86% | 0.90% | 0.79% | 0.77% | 0.47% | -40 bps | |
| Return on Equity | 3.91% | 3.80% | 3.09% | 4.80% | 5.03% | 4.52% | 4.46% | 2.72% | -208 bps | |
| Net Interest Margin | 2.78% | 2.69% | 2.87% | 3.00% | 2.99% | 2.97% | 2.97% | 3.06% | +6 bps | |
| Efficiency Ratio | 71.32% | 70.43% | 77.17% | 71.62% | 71.25% | 72.55% | 74.18% | 77.00% | +538 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.62% | 10.94% | 11.55% | 7.38% | 8.20% | 6.98% | 7.11% | 7.70% | +31 bps | |
| Loan Growth (YoY) | 2.72% | -1.96% | -3.88% | -4.40% | -0.64% | 2.91% | 4.20% | 4.91% | +931 bps | |
| Share Growth (YoY) | 6.99% | 12.38% | 13.08% | 7.81% | 8.48% | 7.58% | 7.42% | 8.56% | +74 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 1.01% | 0.87% | 0.82% | 0.51% | 0.68% | 0.41% | 0.27% | -55 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 | 18.49% | 17.97% | 17.50% | 18.01% | 17.86% | 17.54% | 17.15% | 17.27% | -74 bps | |
| Net Worth / Assets | 18.49% | 17.97% | 17.50% | 18.01% | 17.86% | 17.54% | 17.15% | 17.27% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.53% | 56.29% | 53.84% | 54.65% | 54.53% | 53.84% | 52.23% | 52.82% | -184 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |