PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

3HILL

Blue Bell, PA · Charter 68297

NCUA · 1 branch

Q2 2026

$50.0MAssets
$26.2MLoans
$46.3MShares
$6.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.65%, up 168 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 2.12% of loans (+54 bps YoY).
  • Capital: net worth / assets of 12.03%, up 29 bps from a year ago.
  • Funding: loans stand at 56.72% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.65%+168 bps YoY

Net Interest Margin (quarter, annualized)

3.55%+68 bps YoY

Efficiency Ratio (quarter, annualized)

81.13%-4,682 bps YoY

Net Worth / Assets

12.03%+29 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.03%-0.69%-0.69%1.33%0.65%+168 bps
Return on Equity-8.77%-5.77%-5.90%11.28%5.40%+1,416 bps
Net Interest Margin2.87%3.05%3.10%3.42%3.55%+68 bps
Efficiency Ratio127.95%115.45%112.91%68.70%81.13%-4,682 bps
Growth
Asset Growth (YoY)-0.14%-3.55%-0.81%-0.72%-1.47%-134 bps
Loan Growth (YoY)9.08%7.38%23.41%18.07%12.84%+376 bps
Share Growth (YoY)-1.16%-3.74%-2.45%-2.01%-2.61%-145 bps
Asset Quality
Delinquent Loans / Loans1.57%1.45%1.54%1.56%2.12%+54 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.74%12.04%11.65%11.78%12.03%+29 bps
Net Worth / Assets11.74%12.04%11.65%11.78%12.03%+29 bps
Liquidity & Funding
Loans / Shares48.95%52.16%57.78%55.67%56.72%+777 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps