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Letter portraitLegal landscapeQuarterYTD

Moonlight Credit Union

Worthington, PA · Charter 64883

NCUA · 1 branch

Q2 2025

$50.7MAssets
$36.9MLoans
$42.2MShares
$8.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.48%, up 3 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.19%, up 171 bps from a year ago.
  • Funding: loans stand at 87.27% of shares as of Q2 2025.

Return on Assets (YTD, annualized)

1.48%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+45 bps YoY

Efficiency Ratio (YTD, annualized)

61.11%+170 bps YoY

Net Worth / Assets

17.19%+171 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets1.35%1.16%1.50%1.45%1.51%1.52%1.44%1.48%+3 bps
Return on Equity8.28%7.34%9.51%9.40%9.53%9.36%8.85%8.61%-79 bps
Net Interest Margin3.07%2.86%3.09%3.06%3.16%3.22%3.41%3.51%+45 bps
Efficiency Ratio62.69%65.68%58.80%59.41%58.92%59.28%58.98%61.11%+170 bps
Growth
Asset Growth (YoY)1.99%6.49%7.79%9.96%10.86%6.41%6.52%-1.06%-1,102 bps
Loan Growth (YoY)21.41%23.44%23.48%20.01%16.29%15.00%14.41%13.62%-638 bps
Share Growth (YoY)0.64%5.82%7.39%9.84%11.03%5.58%5.78%-2.89%-1,273 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.08%0.17%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.29%15.81%15.75%15.48%15.83%16.22%16.29%17.19%+171 bps
Net Worth / Assets16.29%15.81%15.75%15.48%15.83%16.22%16.29%17.19%+171 bps
Liquidity & Funding
Loans / Shares73.12%73.31%75.20%74.58%76.58%79.86%81.34%87.27%+1,268 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps