Williamsport, PA · Charter 7821
NCUA · 2 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 | 0.35% | 0.48% | 0.88% | 0.50% | 0.62% | 0.65% | 0.64% | 1.22% | +72 bps | |
| Return on Equity | 4.28% | 5.69% | 10.20% | 5.81% | 6.96% | 7.19% | 7.07% | 12.91% | +710 bps | |
| Net Interest Margin | 3.36% | 3.45% | 3.57% | 3.61% | 3.77% | 3.75% | 3.86% | 4.01% | +40 bps | |
| Efficiency Ratio | 83.75% | 80.65% | 78.34% | 78.92% | 77.03% | 77.17% | 76.56% | 72.72% | -620 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.65% | -3.06% | -3.41% | -1.58% | 0.09% | 0.98% | 2.41% | 1.74% | +332 bps | |
| Loan Growth (YoY) | 7.53% | 0.16% | 0.09% | 6.61% | 13.42% | 17.88% | 24.63% | 19.11% | +1,250 bps | |
| Share Growth (YoY) | -7.88% | -4.02% | -5.57% | -3.85% | -2.02% | -0.33% | 0.90% | 1.18% | +503 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.88% | 0.90% | 0.46% | 0.47% | 0.21% | 0.32% | 0.21% | -25 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 | 8.23% | 8.49% | 8.63% | 8.59% | 8.90% | 9.06% | 9.01% | 9.44% | +85 bps | |
| Net Worth / Assets | 8.23% | 8.49% | 8.63% | 8.59% | 8.90% | 9.06% | 9.01% | 9.44% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.79% | 58.03% | 56.84% | 63.08% | 68.05% | 68.63% | 70.21% | 74.26% | +1,118 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |