PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The One

Meadville, PA · Charter 6187

NCUA · 5 branches

Q2 2026

$139.3MAssets
$102.5MLoans
$125.7MShares
$11.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.34%, down 17 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.38% of loans (+2 bps YoY).
  • Capital: net worth / assets of 8.36%, down 13 bps from a year ago.
  • Funding: loans stand at 81.55% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.34%-17 bps YoY

Net Interest Margin (quarter, annualized)

3.70%-12 bps YoY

Efficiency Ratio (quarter, annualized)

84.04%+82 bps YoY

Net Worth / Assets

8.36%-13 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.88%0.34%0.50%0.67%0.62%0.31%0.34%-17 bps
Return on Equity10.09%9.77%3.99%5.93%7.63%7.03%3.68%4.01%-192 bps
Net Interest Margin3.94%3.96%3.83%3.83%3.89%3.90%3.78%3.70%-12 bps
Efficiency Ratio80.12%78.70%86.15%83.21%81.23%82.62%83.03%84.04%+82 bps
Growth
Asset Growth (YoY)10.41%6.63%8.65%12.64%9.12%9.93%8.65%8.16%-448 bps
Loan Growth (YoY)11.80%11.09%10.05%10.65%10.98%11.03%10.30%7.89%-277 bps
Share Growth (YoY)10.32%6.15%8.43%12.84%8.84%10.10%8.71%8.35%-448 bps
Asset Quality
Delinquent Loans / Loans0.57%0.53%0.48%0.36%0.33%0.68%0.42%0.38%+2 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 Capital8.76%8.99%8.62%8.49%8.72%8.79%8.52%8.36%-13 bps
Net Worth / Assets8.76%8.99%8.62%8.49%8.72%8.79%8.52%8.36%-13 bps
Liquidity & Funding
Loans / Shares83.93%85.65%81.93%81.90%85.58%86.37%83.13%81.55%-35 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps