Spring Grove, PA · Charter 63943
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.39% | 1.80% | 1.67% | 1.73% | 1.61% | +21 bps | |
| Return on Equity | 9.25% | 11.39% | 10.37% | 10.86% | 9.91% | +66 bps | |
| Net Interest Margin | 3.51% | 3.59% | 3.59% | 3.33% | 3.50% | -1 bps | |
| Efficiency Ratio | 54.33% | 53.88% | 55.72% | 54.13% | 55.76% | +143 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.21% | 1.80% | 2.94% | 3.89% | 4.03% | +283 bps | |
| Loan Growth (YoY) | 0.07% | -1.41% | -4.90% | -9.64% | -10.04% | -1,012 bps | |
| Share Growth (YoY) | -0.34% | -0.04% | 1.38% | 2.39% | 2.63% | +297 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.21% | 0.55% | 1.41% | 1.22% | 0.79% | -142 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 | 15.07% | 15.85% | 16.11% | 15.94% | 16.22% | +115 bps | |
| Net Worth / Assets | 15.07% | 15.85% | 16.11% | 15.94% | 16.22% | +115 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.14% | 24.04% | 23.11% | 20.97% | 21.16% | -298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |