PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Steel Strong Community

Elizabeth, PA · Charter 4828

NCUA · 4 branches

Q2 2026

$32.0MAssets
$17.5MLoans
$24.2MShares
$8.1MNet 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 1.44%, up 58 bps year over year; NIM at 5.24%.
  • Asset quality: problem loans at 0.81% of loans (-37 bps YoY).
  • Capital: net worth / assets of 25.27%, up 175 bps from a year ago.
  • Funding: loans stand at 72.35% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.44%+58 bps YoY

Net Interest Margin (YTD, annualized)

5.24%+51 bps YoY

Efficiency Ratio (YTD, annualized)

66.10%-518 bps YoY

Net Worth / Assets

25.27%+175 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.84%1.14%1.76%1.44%+58 bps
Return on Equity3.66%3.46%4.64%7.19%5.69%+204 bps
Net Interest Margin4.73%4.98%5.01%5.02%5.24%+51 bps
Efficiency Ratio71.28%73.59%71.34%63.65%66.10%-518 bps
Growth
Asset Growth (YoY)-2.16%-2.74%-1.25%-0.81%-1.39%+77 bps
Loan Growth (YoY)5.39%3.49%2.22%5.79%6.44%+105 bps
Share Growth (YoY)-3.90%-3.65%-2.97%-2.52%-2.39%+151 bps
Asset Quality
Delinquent Loans / Loans1.19%1.20%1.15%0.48%0.81%-37 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 Capital23.52%24.29%24.58%24.41%25.27%+175 bps
Net Worth / Assets23.52%24.29%24.58%24.41%25.27%+175 bps
Liquidity & Funding
Loans / Shares66.34%70.20%68.79%68.21%72.35%+601 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps