PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Valley 1st Community

Monessen, PA · Charter 649

NCUA · 2 branches

Q2 2026

$106.9MAssets
$58.7MLoans
$82.7MShares
$24.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.69%, up 41 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.75% of loans (+11 bps YoY).
  • Capital: net worth / assets of 23.12%, unchanged from a year ago.
  • Funding: loans stand at 71.01% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.69%+41 bps YoY

Net Interest Margin (YTD, annualized)

4.24%+23 bps YoY

Efficiency Ratio (YTD, annualized)

63.06%-480 bps YoY

Net Worth / Assets

23.12%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%0.84%1.06%1.28%1.47%1.03%1.56%1.69%+41 bps
Return on Equity4.94%3.60%4.60%5.54%6.31%4.45%6.73%7.30%+176 bps
Net Interest Margin3.84%3.87%3.91%4.02%4.06%3.82%4.28%4.24%+23 bps
Efficiency Ratio69.05%69.75%71.38%67.86%65.31%71.52%62.27%63.06%-480 bps
Growth
Asset Growth (YoY)-1.54%-2.45%1.47%3.85%5.45%5.93%4.59%5.62%+177 bps
Loan Growth (YoY)8.99%11.69%9.07%9.14%6.80%6.50%9.21%7.32%-182 bps
Share Growth (YoY)-3.42%-4.18%0.96%4.72%6.45%7.30%5.31%6.79%+208 bps
Asset Quality
Delinquent Loans / Loans0.86%0.69%0.60%0.64%0.61%0.51%0.48%0.75%+11 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 Capital23.48%23.34%23.10%23.13%23.35%23.06%23.24%23.12%0 bps
Net Worth / Assets23.48%23.34%23.10%23.13%23.35%23.06%23.24%23.12%0 bps
Liquidity & Funding
Loans / Shares70.45%72.33%70.31%70.66%70.68%71.80%72.91%71.01%+35 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps