Plains Township, PA · Charter 4240
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 0.90% | 0.85% | 0.17% | 0.34% | -59 bps | |
| Return on Equity | 9.47% | 8.86% | 8.33% | 1.75% | 3.41% | -605 bps | |
| Net Interest Margin | 3.83% | 3.95% | 3.91% | 3.81% | 3.87% | +4 bps | |
| Efficiency Ratio | 75.59% | 77.19% | 78.96% | 87.67% | 86.66% | +1,108 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.66% | -0.69% | 2.41% | 2.29% | 3.12% | +579 bps | |
| Loan Growth (YoY) | -7.50% | -6.89% | -7.01% | -5.92% | -6.14% | +136 bps | |
| Share Growth (YoY) | -3.97% | -2.13% | 0.57% | 1.12% | 2.14% | +611 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.25% | 1.69% | 1.89% | 2.54% | 2.86% | +161 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.85% | 10.20% | 10.24% | 9.93% | 10.10% | +25 bps | |
| Net Worth / Assets | 9.85% | 10.20% | 10.24% | 9.93% | 10.10% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.98% | 69.85% | 67.04% | 63.69% | 63.39% | -559 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |