PackageTrendsPeer
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Healthcare First Credit Union

Johnstown, PA · Charter 65013

NCUA · 8 branches

Q2 2026

$100.6MAssets
$27.1MLoans
$85.7MShares
$13.6MNet 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 0.94%, up 32 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 1.27% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.49%, up 92 bps from a year ago.
  • Funding: loans stand at 31.58% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.94%+32 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+37 bps YoY

Efficiency Ratio (YTD, annualized)

74.72%-549 bps YoY

Net Worth / Assets

13.49%+92 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.78%0.82%1.07%0.94%+32 bps
Return on Equity4.91%5.92%6.18%8.04%6.98%+207 bps
Net Interest Margin2.61%2.77%2.79%2.92%2.98%+37 bps
Efficiency Ratio80.20%76.85%75.30%70.89%74.72%-549 bps
Growth
Asset Growth (YoY)2.37%-0.18%0.92%-0.27%0.12%-225 bps
Loan Growth (YoY)-7.98%-11.27%-13.54%-14.23%-13.82%-584 bps
Share Growth (YoY)1.79%-0.74%-1.78%-1.34%-0.75%-255 bps
Asset Quality
Delinquent Loans / Loans1.26%1.33%1.43%1.17%1.27%0 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 Capital12.57%13.16%13.19%13.24%13.49%+92 bps
Net Worth / Assets12.57%13.16%13.19%13.24%13.49%+92 bps
Liquidity & Funding
Loans / Shares36.37%35.85%34.81%31.98%31.58%-479 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps