Hamburg, PA · Charter 62656
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 | 0.22% | 0.31% | 0.28% | 0.32% | 0.37% | +15 bps | |
| Return on Equity | 0.39% | 0.51% | 0.48% | 0.53% | 0.61% | +22 bps | |
| Net Interest Margin | 2.54% | 2.67% | 2.64% | 2.71% | 2.70% | +17 bps | |
| Efficiency Ratio | 91.17% | 88.56% | 89.21% | 88.20% | 86.24% | -493 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.93% | -6.96% | -3.55% | -4.16% | -4.87% | +6 bps | |
| Loan Growth (YoY) | 62.64% | 37.96% | 6.55% | -2.87% | -16.49% | -7,913 bps | |
| Share Growth (YoY) | -11.70% | -16.27% | -8.99% | -10.68% | -12.37% | -67 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.60% | 4.86% | 5.26% | 5.59% | 5.51% | +91 bps | |
| Capital | |||||||
| Risk-Based Capital | 57.78% | 59.40% | 59.60% | 60.39% | 61.10% | +332 bps | |
| Net Worth / Assets | 57.78% | 59.40% | 59.60% | 60.39% | 61.10% | +332 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.29% | 38.72% | 36.19% | 35.07% | 36.49% | -180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |