Hazleton, PA · Charter 64833
NCUA · 1 branch
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 | 2.05% | 2.13% | 1.35% | 1.59% | 1.67% | 1.64% | 1.39% | 1.54% | -5 bps | |
| Return on Equity | 11.33% | 10.92% | 6.91% | 8.05% | 8.20% | 7.93% | 6.74% | 7.09% | -97 bps | |
| Net Interest Margin | 2.82% | 2.88% | 2.54% | 2.58% | 2.64% | 2.62% | 2.63% | 2.70% | +12 bps | |
| Efficiency Ratio | 30.48% | 29.31% | 49.23% | 40.51% | 39.69% | 40.63% | 48.85% | 45.07% | +457 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.73% | -0.01% | -0.51% | -0.97% | -0.82% | 2.56% | 2.59% | -1.47% | -50 bps | |
| Loan Growth (YoY) | -1.55% | -4.02% | -4.15% | -4.83% | -3.55% | -2.29% | -2.58% | -6.28% | -145 bps | |
| Share Growth (YoY) | -1.27% | -2.37% | -2.79% | -3.48% | -3.28% | 0.63% | 1.15% | -3.86% | -38 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 1.01% | 1.15% | 1.17% | 1.33% | 1.31% | 1.39% | 1.96% | +79 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 | 18.11% | 19.51% | 19.47% | 19.80% | 20.37% | 20.69% | 20.60% | 21.75% | +195 bps | |
| Net Worth / Assets | 18.11% | 19.51% | 19.47% | 19.80% | 20.37% | 20.69% | 20.60% | 21.75% | +195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.88% | 38.73% | 36.82% | 36.67% | 37.77% | 37.61% | 35.46% | 35.74% | -92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |