Hamburg, PA · Charter 62656
NCUA · 1 branch
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 | 0.27% | 0.33% | 0.07% | 0.22% | 0.31% | 0.28% | 0.32% | 0.37% | +15 bps | |
| Return on Equity | 0.49% | 0.58% | 0.12% | 0.39% | 0.51% | 0.48% | 0.53% | 0.61% | +22 bps | |
| Net Interest Margin | 2.44% | 2.57% | 2.46% | 2.54% | 2.67% | 2.64% | 2.71% | 2.70% | +17 bps | |
| Efficiency Ratio | 89.03% | 87.03% | 97.13% | 91.17% | 88.56% | 89.21% | 88.20% | 86.24% | -493 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.55% | -7.09% | -8.18% | -4.93% | -6.96% | -3.55% | -4.16% | -4.87% | +6 bps | |
| Loan Growth (YoY) | -0.69% | 22.19% | 42.66% | 62.64% | 37.96% | 6.55% | -2.87% | -16.49% | -7,913 bps | |
| Share Growth (YoY) | -7.98% | -15.86% | -18.03% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.70% | 5.60% | 5.43% | 4.60% | 4.86% | 5.26% | 5.59% | 5.51% | +91 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 54.93% | 57.21% | 57.54% | 57.78% | 59.40% | 59.60% | 60.39% | 61.10% | +332 bps | |
| Net Worth / Assets | 54.93% | 57.21% | 57.54% | 57.78% | 59.40% | 59.60% | 60.39% | 61.10% | +332 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.50% | 30.91% | 32.25% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |