Cranberry Town, PA · Charter 8313
NCUA · 1 branch
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.59% | 0.14% | 0.20% | -0.03% | -0.32% | -0.41% | -3.06% | -326 bps | |
| Return on Equity | 6.17% | 6.74% | 1.56% | 2.17% | -0.28% | -3.41% | -4.40% | -42.65% | -4,483 bps | |
| Net Interest Margin | 3.72% | 3.99% | 4.42% | 4.38% | 3.98% | 4.16% | 4.23% | 4.67% | +29 bps | |
| Efficiency Ratio | 88.13% | 86.83% | 89.25% | 91.82% | 100.61% | 112.06% | 112.36% | 158.00% | +6,618 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.05% | -1.04% | -10.31% | -11.33% | -11.53% | -11.40% | -4.92% | -11.40% | -7 bps | |
| Loan Growth (YoY) | -0.67% | -3.22% | -8.32% | -14.75% | -16.85% | -14.12% | -15.77% | -13.19% | +156 bps | |
| Share Growth (YoY) | -3.67% | -1.98% | -11.54% | -12.39% | -12.37% | -12.19% | -5.12% | -9.38% | +301 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.55% | 0.76% | 0.60% | 0.52% | 0.68% | 0.87% | 0.11% | -49 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 | 8.26% | 8.70% | 9.20% | 9.15% | 9.29% | 9.44% | 9.37% | 7.17% | -198 bps | |
| Net Worth / Assets | 8.26% | 8.70% | 9.20% | 9.15% | 9.29% | 9.44% | 9.37% | 7.17% | -198 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.57% | 51.17% | 53.04% | 50.51% | 48.93% | 50.04% | 47.09% | 48.38% | -212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |