Chambersburg, PA · Charter 65412
NCUA · 3 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 | 0.25% | 0.23% | 0.12% | 0.25% | 0.33% | 0.35% | 0.41% | 0.42% | +17 bps | |
| Return on Equity | 1.63% | 1.49% | 0.80% | 1.62% | 2.11% | 2.28% | 2.60% | 2.64% | +101 bps | |
| Net Interest Margin | 2.20% | 2.21% | 2.21% | 2.28% | 2.35% | 2.40% | 2.50% | 2.59% | +31 bps | |
| Efficiency Ratio | 93.19% | 93.39% | 95.35% | 92.42% | 90.09% | 88.43% | 85.86% | 85.88% | -654 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.46% | 4.81% | 3.38% | 1.91% | 1.47% | 0.41% | -0.57% | -1.10% | -301 bps | |
| Loan Growth (YoY) | -6.53% | -7.55% | -10.37% | -9.40% | -8.66% | -8.09% | -3.78% | -3.39% | +601 bps | |
| Share Growth (YoY) | 3.76% | 3.81% | 1.35% | 0.30% | 0.62% | -1.20% | -1.69% | -2.37% | -267 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.20% | 0.04% | 0.00% | 0.02% | 0.00% | 0.51% | 0.50% | +50 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 | 15.39% | 15.29% | 15.08% | 15.26% | 15.45% | 15.59% | 15.59% | 15.87% | +61 bps | |
| Net Worth / Assets | 15.39% | 15.29% | 15.08% | 15.26% | 15.45% | 15.59% | 15.59% | 15.87% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.41% | 39.69% | 37.67% | 37.25% | 37.59% | 36.92% | 36.87% | 36.86% | -39 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |