Spring Grove, PA · Charter 63943
NCUA · 3 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 | 1.13% | 1.33% | 1.25% | 1.39% | 1.80% | 1.67% | 1.73% | 1.61% | +21 bps | |
| Return on Equity | 7.94% | 8.97% | 8.50% | 9.25% | 11.39% | 10.37% | 10.86% | 9.91% | +66 bps | |
| Net Interest Margin | 3.24% | 3.32% | 3.38% | 3.51% | 3.59% | 3.59% | 3.33% | 3.50% | -1 bps | |
| Efficiency Ratio | 59.08% | 57.75% | 55.88% | 54.33% | 53.88% | 55.72% | 54.13% | 55.76% | +143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.64% | 0.08% | -0.57% | 1.21% | 1.80% | 2.94% | 3.89% | 4.03% | +283 bps | |
| Loan Growth (YoY) | 0.16% | -4.61% | -3.12% | 0.07% | -1.41% | -4.90% | -9.64% | -10.04% | -1,012 bps | |
| Share Growth (YoY) | -1.98% | -1.45% | -2.30% | -0.34% | -0.04% | 1.38% | 2.39% | 2.63% | +297 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.26% | 2.08% | 1.98% | 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 | 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 | 14.28% | 14.86% | 14.76% | 15.07% | 15.85% | 16.11% | 15.94% | 16.22% | +115 bps | |
| Net Worth / Assets | 14.28% | 14.86% | 14.76% | 15.07% | 15.85% | 16.11% | 15.94% | 16.22% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.37% | 24.64% | 23.77% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |