Greensburg, PA · Charter 7297
NCUA · 10 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 | 0.34% | 0.32% | 0.03% | 0.41% | 0.32% | 0.28% | 0.49% | 0.76% | +35 bps | |
| Return on Equity | 3.76% | 3.52% | 0.30% | 4.33% | 3.41% | 3.01% | 5.33% | 7.95% | +362 bps | |
| Net Interest Margin | 3.84% | 3.61% | 3.99% | 4.29% | 4.34% | 4.38% | 4.38% | 4.64% | +35 bps | |
| Efficiency Ratio | 89.19% | 88.11% | 93.96% | 87.39% | 89.12% | 89.53% | 84.92% | 84.14% | -326 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.59% | 12.87% | 9.83% | 6.35% | 9.55% | 0.72% | 2.50% | 3.33% | -302 bps | |
| Loan Growth (YoY) | 5.49% | 11.74% | 10.77% | 11.16% | 9.97% | 5.93% | 5.69% | 8.05% | -312 bps | |
| Share Growth (YoY) | 2.58% | 13.62% | 10.27% | 6.32% | 11.59% | 1.05% | 1.78% | 2.75% | -357 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.78% | 0.56% | 0.63% | 0.71% | 0.75% | 0.61% | 0.57% | -6 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 | 9.15% | 9.07% | 9.36% | 9.56% | 9.42% | 9.22% | 9.11% | 9.55% | 0 bps | |
| Net Worth / Assets | 9.15% | 9.07% | 9.36% | 9.56% | 9.42% | 9.22% | 9.11% | 9.55% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.10% | 84.16% | 83.81% | 88.80% | 88.79% | 88.22% | 87.03% | 93.38% | +458 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |