PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fayette County School Employees

Uniontown, PA · Charter 61515

NCUA · 2 branches

Q2 2026

$22.2MAssets
$7.9MLoans
$17.7MShares
$4.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.69%, up 1 bps year over year; NIM at 4.40%.
  • Asset quality: problem loans at 0.89% of loans (+89 bps YoY).
  • Capital: net worth / assets of 20.00%, up 88 bps from a year ago.
  • Funding: loans stand at 44.84% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.69%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.40%+8 bps YoY

Efficiency Ratio (YTD, annualized)

60.56%-108 bps YoY

Net Worth / Assets

20.00%+88 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.36%2.80%1.68%1.94%1.95%1.48%1.69%+1 bps
Return on Equity6.96%7.24%15.08%8.80%9.98%9.74%7.55%8.47%-33 bps
Net Interest Margin3.67%3.73%4.13%4.32%4.29%4.36%4.21%4.40%+8 bps
Efficiency Ratio66.28%65.81%51.78%61.64%59.19%59.26%58.79%60.56%-108 bps
Growth
Asset Growth (YoY)-1.92%0.44%2.03%1.68%4.37%3.84%4.52%4.62%+294 bps
Loan Growth (YoY)-7.01%-5.50%-1.54%-2.13%-5.74%-4.12%-5.03%-5.13%-300 bps
Share Growth (YoY)-3.50%-1.28%0.57%0.09%3.00%2.31%3.19%3.47%+338 bps
Asset Quality
Delinquent Loans / Loans0.02%0.00%0.00%0.00%0.00%0.66%0.55%0.89%+89 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.31%18.79%18.60%19.13%19.38%20.00%19.63%20.00%+88 bps
Net Worth / Assets18.31%18.79%18.60%19.13%19.38%20.00%19.63%20.00%+88 bps
Liquidity & Funding
Loans / Shares51.32%51.43%49.48%48.91%46.96%48.19%45.53%44.84%-406 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps