PackageTrendsPeer
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New Directions Community

Franklin, PA · Charter 65356

NCUA · 3 branches

Q2 2026

$40.7MAssets
$25.6MLoans
$34.7MShares
$5.9MNet 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 0.12%, up 22 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 0.76% of loans (-13 bps YoY).
  • Capital: net worth / assets of 14.54%, down 30 bps from a year ago.
  • Funding: loans stand at 73.75% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.12%+22 bps YoY

Net Interest Margin (quarter, annualized)

4.54%+13 bps YoY

Efficiency Ratio (quarter, annualized)

93.21%-217 bps YoY

Net Worth / Assets

14.54%-30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.10%0.07%0.16%0.01%0.12%+22 bps
Return on Equity-0.64%0.45%1.07%0.05%0.84%+149 bps
Net Interest Margin4.41%4.67%4.69%4.49%4.54%+13 bps
Efficiency Ratio95.38%92.60%91.26%94.65%93.21%-217 bps
Growth
Asset Growth (YoY)1.14%0.33%2.14%2.07%3.95%+282 bps
Loan Growth (YoY)11.53%17.32%17.71%15.23%5.14%-639 bps
Share Growth (YoY)1.49%0.45%2.64%2.26%4.36%+287 bps
Asset Quality
Delinquent Loans / Loans0.89%0.81%0.80%0.87%0.76%-13 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 Capital14.84%15.46%15.32%14.46%14.54%-30 bps
Net Worth / Assets14.84%15.46%15.32%14.46%14.54%-30 bps
Liquidity & Funding
Loans / Shares73.20%79.67%79.72%74.67%73.75%+55 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps