PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tri County Area

Pottstown, PA · Charter 6269

NCUA · 4 branches

Q2 2026

$215.6MAssets
$110.0MLoans
$193.0MShares
$22.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.90%, down 9 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 1.57% of loans (+149 bps YoY).
  • Capital: net worth / assets of 10.62%, up 39 bps from a year ago.
  • Funding: loans stand at 56.98% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.90%-9 bps YoY

Net Interest Margin (quarter, annualized)

3.98%-8 bps YoY

Efficiency Ratio (quarter, annualized)

78.29%+219 bps YoY

Net Worth / Assets

10.62%+39 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.24%0.95%0.99%1.05%1.06%0.82%0.90%-9 bps
Return on Equity12.58%11.89%9.39%9.64%9.88%9.74%7.70%8.47%-117 bps
Net Interest Margin4.10%4.11%4.05%4.06%4.18%4.22%4.01%3.98%-8 bps
Efficiency Ratio75.89%75.19%76.33%76.09%75.57%75.75%79.81%78.29%+219 bps
Growth
Asset Growth (YoY)2.80%3.19%4.78%6.84%6.99%6.27%5.52%6.08%-76 bps
Loan Growth (YoY)3.89%4.08%2.71%3.07%1.41%0.33%1.26%-0.49%-356 bps
Share Growth (YoY)0.44%2.32%3.92%6.15%6.16%4.98%4.66%5.67%-47 bps
Asset Quality
Delinquent Loans / Loans0.24%0.16%0.11%0.09%0.11%0.27%0.56%1.57%+149 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.22%10.43%10.16%10.23%10.61%10.88%10.63%10.62%+39 bps
Net Worth / Assets10.22%10.43%10.16%10.23%10.61%10.88%10.63%10.62%+39 bps
Liquidity & Funding
Loans / Shares64.91%64.71%60.80%60.51%62.01%61.85%58.82%56.98%-353 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps