Pottstown, PA · Charter 6269
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 1.05% | 1.06% | 0.82% | 0.90% | -9 bps | |
| Return on Equity | 9.64% | 9.88% | 9.74% | 7.70% | 8.47% | -117 bps | |
| Net Interest Margin | 4.06% | 4.18% | 4.22% | 4.01% | 3.98% | -8 bps | |
| Efficiency Ratio | 76.09% | 75.57% | 75.75% | 79.81% | 78.29% | +219 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.84% | 6.99% | 6.27% | 5.52% | 6.08% | -76 bps | |
| Loan Growth (YoY) | 3.07% | 1.41% | 0.33% | 1.26% | -0.49% | -356 bps | |
| Share Growth (YoY) | 6.15% | 6.16% | 4.98% | 4.66% | 5.67% | -47 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.11% | 0.27% | 0.56% | 1.57% | +149 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.23% | 10.61% | 10.88% | 10.63% | 10.62% | +39 bps | |
| Net Worth / Assets | 10.23% | 10.61% | 10.88% | 10.63% | 10.62% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.51% | 62.01% | 61.85% | 58.82% | 56.98% | -353 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |