Wyomissing, PA · Charter 5856
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 | 0.23% | 0.16% | 0.17% | 0.25% | 0.38% | 0.38% | 0.38% | 0.49% | +24 bps | |
| Return on Equity | 2.80% | 1.98% | 2.26% | 3.14% | 4.60% | 4.62% | 4.66% | 5.83% | +269 bps | |
| Net Interest Margin | 2.89% | 2.85% | 3.02% | 3.12% | 3.26% | 3.23% | 3.30% | 3.41% | +28 bps | |
| Efficiency Ratio | 84.91% | 86.10% | 84.51% | 83.64% | 82.34% | 81.71% | 82.82% | 82.39% | -125 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.59% | 8.64% | 8.09% | 4.19% | 1.31% | -0.01% | -0.47% | -0.49% | -468 bps | |
| Loan Growth (YoY) | 1.75% | 2.53% | 5.62% | 5.15% | 5.10% | 4.51% | 2.45% | 2.22% | -293 bps | |
| Share Growth (YoY) | 9.99% | 10.64% | 8.07% | 3.84% | 0.88% | -0.81% | -1.29% | -1.11% | -496 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.44% | 0.59% | 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 | 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 | 8.08% | 7.86% | 7.72% | 7.90% | 8.25% | 8.24% | 8.18% | 8.44% | +54 bps | |
| Net Worth / Assets | 8.08% | 7.86% | 7.72% | 7.90% | 8.25% | 8.24% | 8.18% | 8.44% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.59% | 76.10% | 76.04% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |