PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Norwin Teachers

North Huntingdo, PA · Charter 7842

NCUA · 3 branches

Q2 2026

$38.8MAssets
$16.5MLoans
$34.6MShares
$4.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.02%, up 42 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.73% of loans (+57 bps YoY).
  • Capital: net worth / assets of 10.81%, up 196 bps from a year ago.
  • Funding: loans stand at 47.69% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+55 bps YoY

Efficiency Ratio (YTD, annualized)

73.17%-572 bps YoY

Net Worth / Assets

10.81%+196 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%1.34%0.96%0.97%1.02%+42 bps
Return on Equity6.82%13.99%9.08%9.07%9.48%+266 bps
Net Interest Margin3.19%3.46%3.14%3.67%3.74%+55 bps
Efficiency Ratio78.90%67.27%73.24%74.16%73.17%-572 bps
Growth
Asset Growth (YoY)-4.50%-0.26%14.58%13.47%17.43%+2,193 bps
Loan Growth (YoY)-7.11%-3.82%5.95%8.32%10.14%+1,725 bps
Share Growth (YoY)-5.34%-1.40%12.18%10.66%14.80%+2,014 bps
Asset Quality
Delinquent Loans / Loans0.17%0.30%0.33%0.23%0.73%+57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.85%9.57%10.53%10.72%10.81%+196 bps
Net Worth / Assets8.85%9.57%10.53%10.72%10.81%+196 bps
Liquidity & Funding
Loans / Shares49.71%51.16%48.01%48.47%47.69%-202 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps