Enola, PA · Charter 6694
NCUA · 60 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 | 1.61% | 1.58% | 1.95% | 2.17% | 2.23% | 2.17% | 2.23% | 2.38% | +21 bps | |
| Return on Equity | 13.10% | 12.51% | 15.34% | 16.38% | 16.09% | 15.24% | 15.56% | 16.08% | -29 bps | |
| Net Interest Margin | 3.74% | 3.78% | 3.83% | 4.03% | 4.16% | 4.19% | 4.20% | 4.24% | +21 bps | |
| Efficiency Ratio | 55.79% | 55.91% | 51.71% | 51.75% | 51.13% | 52.32% | 53.97% | 53.93% | +218 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.58% | 8.51% | 6.00% | 5.20% | 2.75% | 3.54% | 3.66% | 4.49% | -71 bps | |
| Loan Growth (YoY) | 7.89% | 7.28% | 7.14% | 5.63% | 5.32% | 3.88% | 2.64% | 3.02% | -261 bps | |
| Share Growth (YoY) | 8.43% | 9.23% | 7.14% | 6.00% | 2.77% | 1.07% | 1.48% | 2.32% | -368 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.81% | 0.74% | 0.90% | 0.86% | 0.87% | 0.72% | 0.73% | -17 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 | 12.27% | 12.63% | 12.72% | 13.23% | 13.86% | 14.25% | 14.35% | 14.80% | +157 bps | |
| Net Worth / Assets | 12.27% | 12.63% | 12.72% | 13.23% | 13.86% | 14.25% | 14.35% | 14.80% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.44% | 94.49% | 92.71% | 95.50% | 97.81% | 97.12% | 93.77% | 96.16% | +65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |