West Mifflin, PA · Charter 7415
NCUA · 3 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 | 0.81% | 0.87% | 1.30% | 1.53% | 1.64% | 1.16% | 1.28% | 1.45% | -8 bps | |
| Return on Equity | 6.84% | 7.10% | 10.85% | 12.29% | 12.66% | 9.06% | 9.88% | 10.92% | -137 bps | |
| Net Interest Margin | 2.75% | 2.88% | 3.29% | 3.44% | 3.53% | 3.15% | 3.50% | 3.54% | +10 bps | |
| Efficiency Ratio | 77.56% | 77.65% | 66.75% | 62.75% | 60.93% | 69.36% | 68.61% | 64.99% | +224 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.61% | -2.82% | 1.06% | 2.67% | 4.07% | 4.37% | 0.95% | 2.57% | -10 bps | |
| Loan Growth (YoY) | 5.56% | 1.23% | -3.43% | -4.12% | -5.16% | -6.89% | -3.77% | -3.75% | +37 bps | |
| Share Growth (YoY) | -4.05% | -4.08% | -0.78% | 1.28% | 3.04% | 2.92% | 0.40% | 1.41% | +13 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.01% | 0.01% | 0.14% | 0.11% | 0.17% | 0.02% | 0.06% | -7 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 | 11.92% | 12.19% | 11.95% | 12.45% | 12.92% | 12.84% | 12.98% | 13.25% | +80 bps | |
| Net Worth / Assets | 11.92% | 12.19% | 11.95% | 12.45% | 12.92% | 12.84% | 12.98% | 13.25% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.28% | 46.84% | 43.44% | 44.23% | 43.51% | 42.38% | 41.64% | 41.98% | -225 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |