Franklin, PA · Charter 65356
NCUA · 3 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 | 1.24% | 0.87% | -0.06% | -0.10% | 0.07% | 0.16% | 0.01% | 0.12% | +22 bps | |
| Return on Equity | 7.96% | 5.61% | -0.39% | -0.64% | 0.45% | 1.07% | 0.05% | 0.84% | +149 bps | |
| Net Interest Margin | 4.48% | 4.52% | 4.17% | 4.41% | 4.67% | 4.69% | 4.49% | 4.54% | +13 bps | |
| Efficiency Ratio | 77.83% | 82.50% | 98.69% | 95.38% | 92.60% | 91.26% | 94.65% | 93.21% | -217 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.59% | 2.62% | 3.56% | 1.14% | 0.33% | 2.14% | 2.07% | 3.95% | +282 bps | |
| Loan Growth (YoY) | -3.11% | -0.80% | 2.54% | 11.53% | 17.32% | 17.71% | 15.23% | 5.14% | -639 bps | |
| Share Growth (YoY) | -2.55% | 1.70% | 3.65% | 1.49% | 0.45% | 2.64% | 2.26% | 4.36% | +287 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.70% | 1.01% | 0.89% | 0.81% | 0.80% | 0.87% | 0.76% | -13 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 | 15.51% | 15.49% | 14.59% | 14.84% | 15.46% | 15.32% | 14.46% | 14.54% | -30 bps | |
| Net Worth / Assets | 15.51% | 15.49% | 14.59% | 14.84% | 15.46% | 15.32% | 14.46% | 14.54% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.21% | 69.51% | 66.26% | 73.20% | 79.67% | 79.72% | 74.67% | 73.75% | +55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |