Bristol, PA · Charter 61101
NCUA · 1 branch
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 | 0.64% | 0.60% | 0.84% | 1.03% | 0.90% | 0.84% | 0.44% | 0.61% | -42 bps | |
| Return on Equity | 5.56% | 5.05% | 7.06% | 8.58% | 7.99% | 6.97% | 3.72% | 5.22% | -335 bps | |
| Net Interest Margin | 2.77% | 2.86% | 2.98% | 3.04% | 2.77% | 2.98% | 2.91% | 2.96% | -7 bps | |
| Efficiency Ratio | 79.42% | 80.39% | 75.44% | 70.97% | 72.82% | 75.56% | 73.77% | 76.06% | +508 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.86% | 9.54% | 9.11% | 4.85% | 8.18% | 4.65% | 4.84% | 6.93% | +208 bps | |
| Loan Growth (YoY) | 1.28% | 0.89% | 0.83% | -0.29% | -4.89% | -7.59% | -7.78% | -5.72% | -543 bps | |
| Share Growth (YoY) | 4.25% | 9.87% | 9.28% | 4.18% | 8.18% | 3.99% | 4.61% | 7.36% | +318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.11% | 0.04% | 0.09% | 0.08% | 0.04% | 0.63% | 0.16% | +8 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 | 11.48% | 11.95% | 11.90% | 12.06% | 11.22% | 12.09% | 11.91% | 11.75% | -32 bps | |
| Net Worth / Assets | 11.48% | 11.95% | 11.90% | 12.06% | 11.22% | 12.09% | 11.91% | 11.75% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.31% | 61.17% | 59.01% | 58.03% | 51.26% | 54.35% | 52.02% | 50.95% | -707 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |