Butler, PA · Charter 65291
NCUA · 5 branches
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 | 1.12% | 1.10% | 0.57% | 0.73% | 0.87% | 0.88% | 0.72% | 0.96% | +23 bps | |
| Return on Equity | 8.04% | 8.07% | 4.38% | 5.62% | 6.88% | 6.60% | 5.35% | 7.03% | +141 bps | |
| Net Interest Margin | 2.74% | 2.65% | 2.60% | 2.57% | 2.64% | 2.70% | 2.88% | 3.01% | +44 bps | |
| Efficiency Ratio | 68.49% | 68.54% | 78.06% | 74.00% | 72.06% | 73.04% | 76.87% | 72.37% | -162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.72% | 15.81% | 14.64% | 19.59% | 17.98% | 15.05% | 10.30% | 4.04% | -1,555 bps | |
| Loan Growth (YoY) | -8.31% | -7.34% | 0.42% | 5.97% | 6.97% | 10.83% | 12.14% | 11.34% | +537 bps | |
| Share Growth (YoY) | 13.61% | 16.82% | 15.46% | 20.82% | 18.66% | 15.81% | 10.22% | 3.44% | -1,738 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.59% | 0.57% | 0.37% | 0.46% | 0.54% | 0.47% | 0.55% | +18 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 | 13.90% | 13.67% | 13.11% | 12.97% | 12.70% | 13.35% | 13.39% | 13.66% | +68 bps | |
| Net Worth / Assets | 13.90% | 13.67% | 13.11% | 12.97% | 12.70% | 13.35% | 13.39% | 13.66% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.11% | 79.38% | 78.72% | 76.67% | 75.82% | 75.96% | 80.09% | 82.53% | +585 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |