PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Utilities Employees

Reading, PA · Charter 64896

NCUA · 2 branches

Q2 2026

$1.5BAssets
$800.5MLoans
$1.3BShares
$237.2MNet 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 0.54%, up 25 bps year over year; NIM at 2.32%.
  • Asset quality: problem loans at 1.26% of loans (+82 bps YoY).
  • Capital: net worth / assets of 15.73%, up 16 bps from a year ago.
  • Funding: loans stand at 63.46% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.54%+25 bps YoY

Net Interest Margin (quarter, annualized)

2.32%+20 bps YoY

Efficiency Ratio (quarter, annualized)

74.42%-295 bps YoY

Net Worth / Assets

15.73%+16 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.33%0.38%0.53%0.54%+25 bps
Return on Equity1.91%2.13%2.44%3.38%3.45%+154 bps
Net Interest Margin2.12%2.17%2.17%2.28%2.32%+20 bps
Efficiency Ratio77.37%78.62%78.21%76.25%74.42%-295 bps
Growth
Asset Growth (YoY)13.67%13.76%15.48%1.20%1.63%-1,204 bps
Loan Growth (YoY)11.63%13.14%16.15%6.77%7.68%-394 bps
Share Growth (YoY)12.94%13.92%13.78%0.06%0.73%-1,221 bps
Asset Quality
Delinquent Loans / Loans0.44%1.12%1.09%1.04%1.26%+82 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 Capital15.56%15.58%15.53%15.60%15.73%+16 bps
Net Worth / Assets15.56%15.58%15.53%15.60%15.73%+16 bps
Liquidity & Funding
Loans / Shares59.36%60.73%62.54%62.54%63.46%+410 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps