Latrobe, PA · Charter 6689
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | -1.83% | 0.50% | -0.16% | -0.27% | -80 bps | |
| Return on Equity | 4.75% | -15.72% | 4.21% | -1.39% | -2.36% | -711 bps | |
| Net Interest Margin | 3.32% | 3.41% | 3.34% | 2.74% | 2.77% | -55 bps | |
| Efficiency Ratio | 85.83% | 85.92% | 88.27% | 104.46% | 107.59% | +2,175 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.94% | -5.30% | -6.36% | -2.74% | 1.72% | +766 bps | |
| Loan Growth (YoY) | -10.21% | -13.13% | -12.52% | -13.19% | -14.90% | -469 bps | |
| Share Growth (YoY) | -7.03% | -6.55% | -7.54% | -3.38% | 1.94% | +897 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.04% | 0.11% | 1.00% | 0.50% | +35 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.36% | 11.67% | 11.77% | 11.26% | 11.22% | -14 bps | |
| Net Worth / Assets | 11.36% | 11.67% | 11.77% | 11.26% | 11.22% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.36% | 29.59% | 28.35% | 24.81% | 24.51% | -485 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |