Reading, PA · Charter 64896
NCUA · 2 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 | 0.05% | 0.01% | 0.13% | 0.30% | 0.33% | 0.38% | 0.53% | 0.54% | +25 bps | |
| Return on Equity | 0.28% | 0.05% | 0.84% | 1.91% | 2.13% | 2.44% | 3.38% | 3.45% | +154 bps | |
| Net Interest Margin | 1.63% | 1.64% | 2.05% | 2.12% | 2.17% | 2.17% | 2.28% | 2.32% | +20 bps | |
| Efficiency Ratio | 84.48% | 86.62% | 78.79% | 77.37% | 78.62% | 78.21% | 76.25% | 74.42% | -295 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.44% | 0.73% | 14.54% | 13.67% | 13.76% | 15.48% | 1.20% | 1.63% | -1,204 bps | |
| Loan Growth (YoY) | 8.78% | 4.05% | 13.85% | 11.63% | 13.14% | 16.15% | 6.77% | 7.68% | -394 bps | |
| Share Growth (YoY) | -1.37% | 0.58% | 13.34% | 12.94% | 13.92% | 13.78% | 0.06% | 0.73% | -1,221 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.54% | 0.37% | 0.44% | 1.12% | 1.09% | 1.04% | 1.26% | +82 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 | 16.63% | 16.65% | 15.39% | 15.56% | 15.58% | 15.53% | 15.60% | 15.73% | +16 bps | |
| Net Worth / Assets | 16.63% | 16.65% | 15.39% | 15.56% | 15.58% | 15.53% | 15.60% | 15.73% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.15% | 61.26% | 58.61% | 59.36% | 60.73% | 62.54% | 62.54% | 63.46% | +410 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |