Grove City, PA · Charter 6722
NCUA · 2 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 | 1.71% | 1.72% | 1.39% | 1.49% | 1.65% | 1.72% | 1.75% | 1.84% | +35 bps | |
| Return on Equity | 11.53% | 11.55% | 9.45% | 10.09% | 10.87% | 11.28% | 11.50% | 12.06% | +197 bps | |
| Net Interest Margin | 3.31% | 3.28% | 3.37% | 3.43% | 3.52% | 3.47% | 3.37% | 3.45% | +2 bps | |
| Efficiency Ratio | 55.50% | 55.49% | 66.37% | 60.59% | 58.71% | 57.67% | 56.95% | 54.61% | -598 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.50% | 7.77% | 7.93% | 10.46% | 9.61% | 10.17% | 9.74% | 9.90% | -56 bps | |
| Loan Growth (YoY) | 0.03% | 0.68% | -1.03% | 1.48% | 4.92% | 6.60% | 5.50% | 5.30% | +381 bps | |
| Share Growth (YoY) | 3.24% | 6.89% | 7.12% | 10.15% | 9.12% | 9.72% | 9.14% | 9.21% | -94 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.70% | 1.96% | 1.77% | 1.33% | 1.28% | 1.36% | 1.36% | 1.33% | 0 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 | 14.85% | 14.92% | 14.74% | 14.77% | 15.19% | 15.22% | 15.17% | 15.26% | +49 bps | |
| Net Worth / Assets | 14.85% | 14.92% | 14.74% | 14.77% | 15.19% | 15.22% | 15.17% | 15.26% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.06% | 60.67% | 57.26% | 58.25% | 60.63% | 58.95% | 55.35% | 56.17% | -209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |