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Greensburg Teachers

Greensburg, PA · Charter 63715

NCUA · 2 branches

Q2 2026

$4.7MAssets
$469KLoans
$4.0MShares
$676KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.03%, down 39 bps year over year; NIM at 2.05%.
  • Asset quality: problem loans at 0.00% of loans (-211 bps YoY).
  • Capital: net worth / assets of 14.26%, up 67 bps from a year ago.
  • Funding: loans stand at 11.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.03%-39 bps YoY

Net Interest Margin (YTD, annualized)

2.05%+52 bps YoY

Efficiency Ratio (YTD, annualized)

149.90%+860 bps YoY

Net Worth / Assets

14.26%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.64%-0.61%-0.62%-0.52%-1.03%-39 bps
Return on Equity-4.68%-4.40%-4.39%-3.66%-7.23%-255 bps
Net Interest Margin1.53%1.57%1.76%1.88%2.05%+52 bps
Efficiency Ratio141.30%138.52%134.75%127.38%149.90%+860 bps
Growth
Asset Growth (YoY)-9.17%-11.57%-13.08%-12.61%-11.01%-185 bps
Loan Growth (YoY)-24.73%-29.99%-33.50%-36.95%-36.64%-1,191 bps
Share Growth (YoY)-9.36%-12.27%-13.92%-13.61%-11.68%-232 bps
Asset Quality
Delinquent Loans / Loans2.11%2.82%2.00%0.76%0.00%-211 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.59%13.88%14.02%14.14%14.26%+67 bps
Net Worth / Assets13.59%13.88%14.02%14.14%14.26%+67 bps
Liquidity & Funding
Loans / Shares16.19%15.01%13.57%11.87%11.62%-458 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps