PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jessop Community

Washington, PA · Charter 7724

NCUA · 1 branch

Q2 2026

$34.1MAssets
$11.2MLoans
$29.3MShares
$4.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.26%, down 37 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.38% of loans (+25 bps YoY).
  • Capital: net worth / assets of 13.83%, up 117 bps from a year ago.
  • Funding: loans stand at 38.18% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.26%-37 bps YoY

Net Interest Margin (YTD, annualized)

3.61%-12 bps YoY

Efficiency Ratio (YTD, annualized)

69.82%+798 bps YoY

Net Worth / Assets

13.83%+117 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.58%1.29%1.62%1.81%1.83%1.09%1.26%-37 bps
Return on Equity13.12%12.85%10.55%12.82%13.60%13.46%8.07%9.09%-373 bps
Net Interest Margin3.73%3.81%3.74%3.73%3.79%3.76%3.52%3.61%-12 bps
Efficiency Ratio63.08%63.15%69.21%61.84%58.56%57.84%73.27%69.82%+798 bps
Growth
Asset Growth (YoY)-7.61%-4.10%-2.77%-1.45%1.30%4.83%3.95%3.73%+518 bps
Loan Growth (YoY)-14.18%-16.00%-16.88%-14.47%-11.92%-10.84%-6.75%-5.20%+927 bps
Share Growth (YoY)-9.64%-6.10%-4.98%-3.62%-0.61%3.03%2.46%2.35%+597 bps
Asset Quality
Delinquent Loans / Loans0.27%0.79%0.33%0.13%0.16%0.20%0.11%0.38%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.68%12.31%12.21%12.67%13.28%13.57%13.49%13.83%+117 bps
Net Worth / Assets11.68%12.31%12.21%12.67%13.28%13.57%13.49%13.83%+117 bps
Liquidity & Funding
Loans / Shares46.63%46.90%42.73%41.22%41.32%40.59%38.89%38.18%-304 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps