Latrobe, PA · Charter 6785
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 | 1.99% | 1.28% | 1.36% | 1.42% | 1.36% | 0.91% | 1.23% | 1.29% | -13 bps | |
| Return on Equity | 11.76% | 7.98% | 8.82% | 9.23% | 8.72% | 6.07% | 8.31% | 8.69% | -53 bps | |
| Net Interest Margin | 3.04% | 2.37% | 2.44% | 2.52% | 2.52% | 2.06% | 2.26% | 2.19% | -33 bps | |
| Efficiency Ratio | 45.39% | 55.97% | 53.82% | 54.92% | 55.23% | 62.46% | 53.58% | 51.79% | -314 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.67% | 12.07% | 16.24% | 15.40% | 14.89% | 13.43% | 10.50% | 10.17% | -523 bps | |
| Loan Growth (YoY) | 4.39% | 2.26% | 1.29% | 0.81% | -2.17% | -4.03% | -2.37% | -5.71% | -652 bps | |
| Share Growth (YoY) | 9.76% | 12.77% | 18.10% | 17.14% | 16.69% | 14.76% | 11.31% | 10.93% | -621 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 1.35% | 1.30% | 1.63% | 1.57% | 1.63% | 1.42% | 1.36% | -27 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 | 16.91% | 16.07% | 15.39% | 15.43% | 15.59% | 15.07% | 14.80% | 14.86% | -57 bps | |
| Net Worth / Assets | 16.91% | 16.07% | 15.39% | 15.43% | 15.59% | 15.07% | 14.80% | 14.86% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.02% | 26.60% | 23.90% | 23.76% | 23.49% | 22.24% | 20.97% | 20.20% | -357 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |