Scranton, PA · Charter 62998
NCUA · 2 branches
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 | -0.26% | -0.43% | -1.89% | -2.22% | -3.26% | -2.34% | -0.81% | -0.63% | +158 bps | |
| Return on Equity | -1.46% | -2.41% | -10.80% | -13.16% | -20.02% | -15.94% | -4.92% | -4.07% | +909 bps | |
| Net Interest Margin | 1.99% | 1.94% | 1.55% | 2.12% | 2.24% | 2.05% | 10.18% | 2.38% | +26 bps | |
| Efficiency Ratio | 111.04% | 120.88% | 215% | 201% | 240% | 212% | 107.84% | 120.88% | -8,032 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.20% | -2.30% | -2.89% | -0.80% | -5.65% | 4.15% | 9.31% | 5.28% | +608 bps | |
| Loan Growth (YoY) | -7.49% | -12.62% | -12.75% | -13.82% | -13.29% | -11.49% | -15.70% | -16.05% | -223 bps | |
| Share Growth (YoY) | -0.12% | -2.35% | -1.46% | -2.45% | -3.77% | 7.26% | 6.33% | 10.23% | +1,269 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.87% | 3.41% | 4.25% | 6.11% | 4.11% | 5.96% | 8.54% | 8.33% | +222 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.97% | 17.69% | 17.49% | 16.84% | 16.30% | 14.65% | 16.43% | 15.49% | -134 bps | |
| Net Worth / Assets | 17.97% | 17.69% | 17.49% | 16.84% | 16.30% | 14.65% | 16.43% | 15.49% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.63% | 61.61% | 60.41% | 60.99% | 59.14% | 50.84% | 47.90% | 46.44% | -1,454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |