South Williamsp, PA · Charter 65211
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.21% | 1.02% | 1.15% | 1.21% | 1.16% | 0.60% | 0.71% | -44 bps | |
| Return on Equity | 6.75% | 5.86% | 5.00% | 5.53% | 5.76% | 5.59% | 2.97% | 3.63% | -190 bps | |
| Net Interest Margin | 4.00% | 3.94% | 3.54% | 3.72% | 3.81% | 3.71% | 3.45% | 3.26% | -46 bps | |
| Efficiency Ratio | 65.50% | 69.47% | 71.75% | 69.71% | 68.68% | 69.26% | 82.49% | 78.47% | +875 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.12% | 5.29% | 9.35% | 3.08% | 3.28% | 5.17% | 5.70% | 11.34% | +825 bps | |
| Loan Growth (YoY) | -5.01% | -7.89% | -10.56% | -9.60% | -3.29% | -0.02% | 2.60% | 9.83% | +1,943 bps | |
| Share Growth (YoY) | 1.84% | 4.90% | 10.40% | 2.66% | 3.07% | 5.03% | 5.74% | 12.96% | +1,030 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.44% | 0.02% | 0.24% | 0.21% | 1.50% | 0.75% | 0.56% | +32 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 | 20.62% | 20.69% | 20.30% | 20.72% | 21.05% | 20.84% | 20.24% | 19.52% | -120 bps | |
| Net Worth / Assets | 20.62% | 20.69% | 20.30% | 20.72% | 21.05% | 20.84% | 20.24% | 19.52% | -120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.24% | 57.58% | 53.14% | 54.42% | 55.59% | 54.81% | 51.56% | 52.91% | -151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |