Gibsonia, PA · Charter 61636
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 1.22% | 1.14% | 0.86% | 1.04% | -29 bps | |
| Return on Equity | 9.13% | 8.06% | 7.48% | 5.62% | 6.72% | -241 bps | |
| Net Interest Margin | 4.08% | 4.19% | 4.15% | 4.19% | 4.24% | +16 bps | |
| Efficiency Ratio | 61.95% | 65.85% | 66.33% | 73.14% | 69.70% | +775 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.73% | -0.87% | 1.73% | 0.64% | 0.19% | -54 bps | |
| Loan Growth (YoY) | -7.20% | -5.65% | -4.53% | -9.90% | -11.51% | -431 bps | |
| Share Growth (YoY) | -0.14% | -1.93% | 0.81% | -0.33% | -0.74% | -60 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.96% | 7.25% | 5.95% | 8.48% | 4.70% | -226 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 | 14.47% | 15.08% | 15.18% | 15.30% | 15.42% | +95 bps | |
| Net Worth / Assets | 14.47% | 15.08% | 15.18% | 15.30% | 15.42% | +95 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.27% | 41.87% | 40.94% | 37.93% | 36.80% | -448 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |