Munhall, PA · Charter 794
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 | 1.03% | 1.04% | 0.82% | 0.77% | 0.83% | 0.85% | 0.85% | 0.59% | -18 bps | |
| Return on Equity | 7.37% | 7.38% | 5.79% | 5.39% | 5.74% | 5.84% | 5.90% | 4.06% | -133 bps | |
| Net Interest Margin | 3.82% | 3.80% | 3.80% | 3.82% | 3.83% | 3.81% | 3.67% | 3.70% | -13 bps | |
| Efficiency Ratio | 76.00% | 75.43% | 82.76% | 81.42% | 80.65% | 79.87% | 78.38% | 80.62% | -80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.08% | 6.46% | 1.84% | 2.07% | 3.19% | 3.15% | 4.51% | 3.81% | +173 bps | |
| Loan Growth (YoY) | 4.66% | 3.66% | 2.56% | 3.18% | 2.45% | 2.69% | 3.77% | 1.83% | -135 bps | |
| Share Growth (YoY) | 6.06% | 6.50% | 1.24% | 1.56% | 2.69% | 2.60% | 3.96% | 3.47% | +191 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.63% | 0.49% | 0.75% | 0.28% | 0.51% | 0.38% | 0.94% | +19 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 | 13.95% | 14.06% | 14.15% | 14.24% | 14.37% | 14.52% | 14.42% | 14.50% | +27 bps | |
| Net Worth / Assets | 13.95% | 14.06% | 14.15% | 14.24% | 14.37% | 14.52% | 14.42% | 14.50% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.41% | 80.06% | 77.84% | 79.31% | 80.22% | 80.13% | 77.69% | 78.05% | -126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |