New Castle, PA · Charter 7383
NCUA · 1 branch
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.82% | 0.71% | 0.81% | 0.82% | 0.61% | -0.52% | -0.62% | -142 bps | |
| Return on Equity | 7.40% | 6.03% | 5.32% | 6.40% | 6.27% | 4.78% | -4.16% | -4.78% | -1,118 bps | |
| Net Interest Margin | 3.59% | 3.24% | 3.26% | 3.18% | 3.24% | 3.12% | 3.20% | 3.47% | +30 bps | |
| Efficiency Ratio | 73.59% | 81.28% | 79.07% | 76.46% | 76.14% | 78.39% | 71.60% | 71.41% | -505 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.85% | 8.93% | 10.28% | 19.51% | 15.34% | 12.12% | 8.92% | -3.99% | -2,350 bps | |
| Loan Growth (YoY) | 23.55% | 11.94% | -7.17% | -11.99% | -11.21% | -15.33% | -16.44% | -16.08% | -409 bps | |
| Share Growth (YoY) | -3.21% | 9.23% | 12.81% | 22.51% | 16.98% | 13.07% | 10.11% | -4.19% | -2,670 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.75% | 1.16% | 1.89% | 2.30% | 2.56% | 3.29% | 1.81% | -8 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 | 13.84% | 13.53% | 13.28% | 12.60% | 13.03% | 12.83% | 12.40% | 12.87% | +26 bps | |
| Net Worth / Assets | 13.84% | 13.53% | 13.28% | 12.60% | 13.03% | 12.83% | 12.40% | 12.87% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.50% | 91.10% | 85.68% | 76.59% | 75.52% | 68.22% | 65.02% | 67.09% | -951 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |