North Huntingdo, PA · Charter 7842
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 | 0.50% | 0.55% | 0.43% | 0.60% | 1.34% | 0.96% | 0.97% | 1.02% | +42 bps | |
| Return on Equity | 5.84% | 6.45% | 5.07% | 6.82% | 13.99% | 9.08% | 9.07% | 9.48% | +266 bps | |
| Net Interest Margin | 2.88% | 2.91% | 3.07% | 3.19% | 3.46% | 3.14% | 3.67% | 3.74% | +55 bps | |
| Efficiency Ratio | 80.24% | 80.72% | 80.39% | 78.90% | 67.27% | 73.24% | 74.16% | 73.17% | -572 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.51% | -1.92% | -4.84% | -4.50% | -0.26% | 14.58% | 13.47% | 17.43% | +2,193 bps | |
| Loan Growth (YoY) | -0.05% | -2.07% | -4.75% | -7.11% | -3.82% | 5.95% | 8.32% | 10.14% | +1,725 bps | |
| Share Growth (YoY) | -3.62% | -2.76% | -5.74% | -5.34% | -1.40% | 12.18% | 10.66% | 14.80% | +2,014 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.43% | 0.13% | 0.17% | 0.30% | 0.33% | 0.23% | 0.73% | +57 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 | 8.63% | 8.56% | 8.53% | 8.85% | 9.57% | 10.53% | 10.72% | 10.81% | +196 bps | |
| Net Worth / Assets | 8.63% | 8.56% | 8.53% | 8.85% | 9.57% | 10.53% | 10.72% | 10.81% | +196 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.45% | 50.83% | 49.52% | 49.71% | 51.16% | 48.01% | 48.47% | 47.69% | -202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |