Greensburg, PA · Charter 63715
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 | -0.65% | -0.57% | -0.99% | -0.64% | -0.61% | -0.62% | -0.52% | -1.03% | -39 bps | |
| Return on Equity | -4.87% | -4.35% | -7.54% | -4.68% | -4.40% | -4.39% | -3.66% | -7.23% | -255 bps | |
| Net Interest Margin | 1.38% | 1.49% | 1.09% | 1.53% | 1.57% | 1.76% | 1.88% | 2.05% | +52 bps | |
| Efficiency Ratio | 146.27% | 138.09% | 189.93% | 141.30% | 138.52% | 134.75% | 127.38% | 149.90% | +860 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.68% | -2.41% | -4.20% | -9.17% | -11.57% | -13.08% | -12.61% | -11.01% | -185 bps | |
| Loan Growth (YoY) | -20.47% | -23.85% | -25.31% | -24.73% | -29.99% | -33.50% | -36.95% | -36.64% | -1,191 bps | |
| Share Growth (YoY) | -7.61% | -1.72% | -3.64% | -9.36% | -12.27% | -13.92% | -13.61% | -11.68% | -232 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.79% | 0.00% | 2.11% | 2.82% | 2.00% | 0.76% | 0.00% | -211 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 | 13.34% | 13.17% | 13.09% | 13.59% | 13.88% | 14.02% | 14.14% | 14.26% | +67 bps | |
| Net Worth / Assets | 13.34% | 13.17% | 13.09% | 13.59% | 13.88% | 14.02% | 14.14% | 14.26% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.80% | 17.57% | 16.27% | 16.19% | 15.01% | 13.57% | 11.87% | 11.62% | -458 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |