PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hazleton School Employees

Hazleton, PA · Charter 64833

NCUA · 1 branch

Q2 2026

$35.4MAssets
$9.9MLoans
$27.7MShares
$7.7MNet 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 1.54%, down 5 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 1.96% of loans (+79 bps YoY).
  • Capital: net worth / assets of 21.75%, up 195 bps from a year ago.
  • Funding: loans stand at 35.74% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.54%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.70%+12 bps YoY

Efficiency Ratio (YTD, annualized)

45.07%+457 bps YoY

Net Worth / Assets

21.75%+195 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.67%1.64%1.39%1.54%-5 bps
Return on Equity8.05%8.20%7.93%6.74%7.09%-97 bps
Net Interest Margin2.58%2.64%2.62%2.63%2.70%+12 bps
Efficiency Ratio40.51%39.69%40.63%48.85%45.07%+457 bps
Growth
Asset Growth (YoY)-0.97%-0.82%2.56%2.59%-1.47%-50 bps
Loan Growth (YoY)-4.83%-3.55%-2.29%-2.58%-6.28%-145 bps
Share Growth (YoY)-3.48%-3.28%0.63%1.15%-3.86%-38 bps
Asset Quality
Delinquent Loans / Loans1.17%1.33%1.31%1.39%1.96%+79 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 Capital19.80%20.37%20.69%20.60%21.75%+195 bps
Net Worth / Assets19.80%20.37%20.69%20.60%21.75%+195 bps
Liquidity & Funding
Loans / Shares36.67%37.77%37.61%35.46%35.74%-92 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps