Elizabeth, PA · Charter 4828
NCUA · 4 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 | 1.00% | 0.85% | 1.04% | 0.86% | 0.84% | 1.14% | 1.76% | 1.44% | +58 bps | |
| Return on Equity | 4.38% | 3.67% | 4.54% | 3.66% | 3.46% | 4.64% | 7.19% | 5.69% | +204 bps | |
| Net Interest Margin | 4.39% | 4.15% | 4.48% | 4.73% | 4.98% | 5.01% | 5.02% | 5.24% | +51 bps | |
| Efficiency Ratio | 76.84% | 77.70% | 72.29% | 71.28% | 73.59% | 71.34% | 63.65% | 66.10% | -518 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.31% | -1.22% | -2.24% | -2.16% | -2.74% | -1.25% | -0.81% | -1.39% | +77 bps | |
| Loan Growth (YoY) | 7.59% | 6.31% | 7.15% | 5.39% | 3.49% | 2.22% | 5.79% | 6.44% | +105 bps | |
| Share Growth (YoY) | -2.40% | -3.80% | -4.17% | -3.90% | -3.65% | -2.97% | -2.52% | -2.39% | +151 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 1.43% | 0.28% | 1.19% | 1.20% | 1.15% | 0.48% | 0.81% | -37 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 | 22.92% | 23.15% | 22.93% | 23.52% | 24.29% | 24.58% | 24.41% | 25.27% | +175 bps | |
| Net Worth / Assets | 22.92% | 23.15% | 22.93% | 23.52% | 24.29% | 24.58% | 24.41% | 25.27% | +175 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.36% | 65.30% | 62.86% | 66.34% | 70.20% | 68.79% | 68.21% | 72.35% | +601 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |