White Oak, PA · Charter 61926
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.94% | -0.41% | 0.23% | 0.41% | 0.52% | -0.33% | 0.66% | +43 bps | |
| Return on Equity | 6.60% | 6.05% | -2.65% | 1.45% | 2.54% | 3.20% | -2.04% | 4.04% | +258 bps | |
| Net Interest Margin | 3.30% | 3.36% | 3.26% | 3.30% | 3.38% | 3.39% | 3.47% | 3.52% | +22 bps | |
| Efficiency Ratio | 72.82% | 75.22% | 100.44% | 87.25% | 86.37% | 85.45% | 108.00% | 86.86% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.42% | -4.72% | -5.37% | -5.55% | -4.06% | -1.45% | -1.53% | 0.14% | +569 bps | |
| Loan Growth (YoY) | -6.30% | -6.75% | -9.87% | -10.39% | -7.03% | -6.60% | 0.70% | -0.21% | +1,018 bps | |
| Share Growth (YoY) | -7.33% | -6.73% | -6.88% | -7.20% | -5.44% | -2.52% | -2.36% | -0.40% | +680 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.23% | 0.75% | 0.65% | 0.60% | 0.59% | 0.60% | 0.03% | -61 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 | 15.13% | 15.55% | 15.41% | 15.80% | 16.17% | 16.21% | 16.10% | 16.42% | +62 bps | |
| Net Worth / Assets | 15.13% | 15.55% | 15.41% | 15.80% | 16.17% | 16.21% | 16.10% | 16.42% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.85% | 34.51% | 31.92% | 32.70% | 33.28% | 33.06% | 32.92% | 32.76% | +6 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |