PackageTrendsPeer
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Pheple

Greensburg, PA · Charter 7297

NCUA · 10 branches

Q2 2026

$134.0MAssets
$113.1MLoans
$121.1MShares
$12.8MNet 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 0.76%, up 35 bps year over year; NIM at 4.64%.
  • Asset quality: problem loans at 0.57% of loans (-6 bps YoY).
  • Capital: net worth / assets of 9.55%, unchanged from a year ago.
  • Funding: loans stand at 93.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.76%+35 bps YoY

Net Interest Margin (YTD, annualized)

4.64%+35 bps YoY

Efficiency Ratio (YTD, annualized)

84.14%-326 bps YoY

Net Worth / Assets

9.55%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.32%0.28%0.49%0.76%+35 bps
Return on Equity4.33%3.41%3.01%5.33%7.95%+362 bps
Net Interest Margin4.29%4.34%4.38%4.38%4.64%+35 bps
Efficiency Ratio87.39%89.12%89.53%84.92%84.14%-326 bps
Growth
Asset Growth (YoY)6.35%9.55%0.72%2.50%3.33%-302 bps
Loan Growth (YoY)11.16%9.97%5.93%5.69%8.05%-312 bps
Share Growth (YoY)6.32%11.59%1.05%1.78%2.75%-357 bps
Asset Quality
Delinquent Loans / Loans0.63%0.71%0.75%0.61%0.57%-6 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 Capital9.56%9.42%9.22%9.11%9.55%0 bps
Net Worth / Assets9.56%9.42%9.22%9.11%9.55%0 bps
Liquidity & Funding
Loans / Shares88.80%88.79%88.22%87.03%93.38%+458 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps