Sewickley, PA · Charter 6240
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 | 0.85% | 0.89% | 0.43% | 0.71% | 0.38% | -47 bps | |
| Return on Equity | 2.44% | 2.45% | 1.17% | 1.89% | 1.03% | -140 bps | |
| Net Interest Margin | 3.58% | 3.66% | 3.54% | 3.09% | 2.87% | -71 bps | |
| Efficiency Ratio | 84.97% | 83.99% | 93.58% | 119.08% | 116.40% | +3,143 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.52% | -4.25% | -3.75% | -5.17% | -5.25% | -74 bps | |
| Loan Growth (YoY) | -23.08% | -17.12% | -28.60% | -28.53% | -26.33% | -325 bps | |
| Share Growth (YoY) | -7.42% | -7.17% | -6.61% | -8.60% | -8.76% | -134 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.17% | 4.56% | 5.27% | 3.63% | 3.80% | -837 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.26% | 1.25% | 1.78% | 0.51% | 0.22% | -104 bps | |
| Capital | |||||||
| Risk-Based Capital | 34.88% | 36.22% | 36.48% | 37.28% | 37.09% | +221 bps | |
| Net Worth / Assets | 34.88% | 36.22% | 36.48% | 37.28% | 37.09% | +221 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.17% | 36.62% | 31.63% | 28.57% | 27.59% | -658 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |