Greensburg, PA · Charter 839
NCUA · 1 branch
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 | 0.67% | 0.25% | 0.88% | 0.79% | 0.83% | 0.81% | 1.30% | 1.31% | +52 bps | |
| Return on Equity | 3.44% | 1.28% | 4.57% | 3.99% | 4.06% | 3.85% | 6.25% | 6.16% | +217 bps | |
| Net Interest Margin | 2.73% | 2.78% | 2.99% | 3.14% | 3.27% | 3.35% | 3.39% | 3.52% | +38 bps | |
| Efficiency Ratio | 78.19% | 91.86% | 71.80% | 73.17% | 74.43% | 75.54% | 65.52% | 66.39% | -677 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.00% | -2.54% | -3.47% | -3.85% | -3.65% | -4.49% | -3.01% | -1.98% | +187 bps | |
| Loan Growth (YoY) | -11.98% | -13.65% | -11.96% | -12.20% | -13.09% | -8.61% | -6.07% | 0.95% | +1,315 bps | |
| Share Growth (YoY) | -6.33% | -4.48% | -6.01% | -6.92% | -6.10% | -7.83% | -5.72% | -4.35% | +257 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.06% | 0.00% | 0.20% | 0.11% | 0.19% | 0.15% | 0.19% | -1 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 | 19.40% | 19.22% | 19.30% | 19.89% | 20.47% | 20.91% | 20.76% | 21.32% | +143 bps | |
| Net Worth / Assets | 19.40% | 19.22% | 19.30% | 19.89% | 20.47% | 20.91% | 20.76% | 21.32% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.91% | 33.20% | 31.14% | 30.34% | 31.39% | 32.92% | 31.03% | 32.03% | +168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |