Wyomissing, PA · Charter 5856
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.38% | 0.38% | 0.38% | 0.49% | +24 bps | |
| Return on Equity | 3.14% | 4.60% | 4.62% | 4.66% | 5.83% | +269 bps | |
| Net Interest Margin | 3.12% | 3.26% | 3.23% | 3.30% | 3.41% | +28 bps | |
| Efficiency Ratio | 83.64% | 82.34% | 81.71% | 82.82% | 82.39% | -125 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.19% | 1.31% | -0.01% | -0.47% | -0.49% | -468 bps | |
| Loan Growth (YoY) | 5.15% | 5.10% | 4.51% | 2.45% | 2.22% | -293 bps | |
| Share Growth (YoY) | 3.84% | 0.88% | -0.81% | -1.29% | -1.11% | -496 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.40% | 0.50% | 0.41% | 0.50% | -12 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 | 7.90% | 8.25% | 8.24% | 8.18% | 8.44% | +54 bps | |
| Net Worth / Assets | 7.90% | 8.25% | 8.24% | 8.18% | 8.44% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.40% | 80.84% | 80.18% | 78.92% | 81.05% | +264 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |