Pottsville, PA · Charter 64932
NCUA · 4 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 | 0.78% | 0.96% | 0.93% | 0.94% | 1.07% | 0.97% | 1.30% | 1.14% | +19 bps | |
| Return on Equity | 9.05% | 10.87% | 10.76% | 10.61% | 11.66% | 10.57% | 14.18% | 12.28% | +167 bps | |
| Net Interest Margin | 2.53% | 2.56% | 2.76% | 2.77% | 2.90% | 2.87% | 3.19% | 3.08% | +31 bps | |
| Efficiency Ratio | 68.92% | 65.25% | 67.70% | 66.42% | 64.33% | 65.95% | 62.63% | 64.78% | -164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.57% | 5.35% | 7.00% | 7.30% | 8.04% | 7.76% | 6.74% | 8.43% | +113 bps | |
| Loan Growth (YoY) | 9.92% | 11.38% | 12.43% | 8.62% | 6.48% | 6.37% | 7.25% | 8.27% | -35 bps | |
| Share Growth (YoY) | 3.32% | 4.94% | 6.76% | 7.27% | 7.39% | 7.57% | 6.18% | 7.61% | +34 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.63% | 0.51% | 0.45% | 0.40% | 0.27% | 0.36% | 0.31% | -14 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 | 8.63% | 8.83% | 8.67% | 8.89% | 9.15% | 9.16% | 9.17% | 9.25% | +36 bps | |
| Net Worth / Assets | 8.63% | 8.83% | 8.67% | 8.89% | 9.15% | 9.16% | 9.17% | 9.25% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.73% | 48.10% | 46.47% | 46.55% | 47.32% | 47.57% | 46.94% | 46.83% | +29 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |