Johnstown, PA · Charter 65013
NCUA · 8 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 | 0.75% | 0.78% | 0.53% | 0.62% | 0.78% | 0.82% | 1.07% | 0.94% | +32 bps | |
| Return on Equity | 6.04% | 6.23% | 4.34% | 4.91% | 5.92% | 6.18% | 8.04% | 6.98% | +207 bps | |
| Net Interest Margin | 2.60% | 2.63% | 2.51% | 2.61% | 2.77% | 2.79% | 2.92% | 2.98% | +37 bps | |
| Efficiency Ratio | 75.66% | 74.78% | 82.10% | 80.20% | 76.85% | 75.30% | 70.89% | 74.72% | -549 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.83% | 2.90% | 2.78% | 2.37% | -0.18% | 0.92% | -0.27% | 0.12% | -225 bps | |
| Loan Growth (YoY) | -2.12% | -4.71% | -6.66% | -7.98% | -11.27% | -13.54% | -14.23% | -13.82% | -584 bps | |
| Share Growth (YoY) | -1.24% | -0.40% | 2.40% | 1.79% | -0.74% | -1.78% | -1.34% | -0.75% | -255 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 1.13% | 1.19% | 1.26% | 1.33% | 1.43% | 1.17% | 1.27% | 0 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 | 12.36% | 12.52% | 12.30% | 12.57% | 13.16% | 13.19% | 13.24% | 13.49% | +92 bps | |
| Net Worth / Assets | 12.36% | 12.52% | 12.30% | 12.57% | 13.16% | 13.19% | 13.24% | 13.49% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.10% | 39.55% | 36.79% | 36.37% | 35.85% | 34.81% | 31.98% | 31.58% | -479 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |