Bethlehem, PA · Charter 716
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 | 1.00% | 1.10% | 1.01% | 1.06% | 0.94% | 0.86% | 0.88% | 1.21% | +15 bps | |
| Return on Equity | 8.31% | 9.19% | 8.46% | 8.63% | 7.57% | 7.05% | 7.08% | 9.82% | +119 bps | |
| Net Interest Margin | 3.17% | 3.22% | 3.35% | 3.43% | 3.46% | 3.38% | 3.52% | 3.38% | -5 bps | |
| Efficiency Ratio | 65.81% | 64.43% | 64.11% | 63.11% | 61.44% | 63.41% | 57.31% | 58.62% | -448 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.56% | -1.77% | 1.11% | 2.20% | 4.11% | 6.89% | 5.14% | 8.90% | +670 bps | |
| Loan Growth (YoY) | -3.85% | -4.78% | -7.56% | -6.88% | 12.93% | 13.67% | 10.06% | 5.93% | +1,280 bps | |
| Share Growth (YoY) | -3.28% | -4.62% | -1.65% | -0.27% | 2.35% | 4.13% | 3.74% | 7.70% | +796 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.84% | 0.79% | 0.87% | 0.54% | 0.55% | 0.70% | 2.11% | +124 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 | 12.02% | 11.97% | 11.92% | 12.28% | 12.45% | 12.27% | 12.46% | 12.36% | +8 bps | |
| Net Worth / Assets | 12.02% | 11.97% | 11.92% | 12.28% | 12.45% | 12.27% | 12.46% | 12.36% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.63% | 36.42% | 34.98% | 34.80% | 41.52% | 39.76% | 37.11% | 34.23% | -57 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |