Sewickley, PA · Charter 6240
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.32% | 1.21% | 0.85% | 0.89% | 0.43% | 0.71% | 0.38% | -47 bps | |
| Return on Equity | 0.84% | 0.91% | 3.47% | 2.44% | 2.45% | 1.17% | 1.89% | 1.03% | -140 bps | |
| Net Interest Margin | 4.39% | 4.38% | 3.67% | 3.58% | 3.66% | 3.54% | 3.09% | 2.87% | -71 bps | |
| Efficiency Ratio | 71.68% | 78.37% | 84.06% | 84.97% | 83.99% | 93.58% | 119.08% | 116.40% | +3,143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.76% | -7.76% | -6.14% | -4.52% | -4.25% | -3.75% | -5.17% | -5.25% | -74 bps | |
| Loan Growth (YoY) | -15.59% | -22.89% | -26.79% | -23.08% | -17.12% | -28.60% | -28.53% | -26.33% | -325 bps | |
| Share Growth (YoY) | -12.35% | -11.47% | -9.22% | -7.42% | -7.17% | -6.61% | -8.60% | -8.76% | -134 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.50% | 6.00% | 7.02% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.25% | 0.97% | 1.26% | 1.25% | 1.78% | 0.51% | 0.22% | -104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.13% | 34.60% | 34.99% | 34.88% | 36.22% | 36.48% | 37.28% | 37.09% | +221 bps | |
| Net Worth / Assets | 34.13% | 34.60% | 34.99% | 34.88% | 36.22% | 36.48% | 37.28% | 37.09% | +221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.02% | 41.37% | 36.54% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |