Dunbar, PA · Charter 841
NCUA · 2 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 | 2.23% | 2.21% | 2.35% | 2.23% | 2.18% | 2.04% | 1.78% | 1.87% | -35 bps | |
| Return on Equity | 12.79% | 12.53% | 13.31% | 12.94% | 11.69% | 10.89% | 9.60% | 9.01% | -394 bps | |
| Net Interest Margin | 4.49% | 4.45% | 4.49% | 4.20% | 4.48% | 4.25% | 3.77% | 4.18% | -2 bps | |
| Efficiency Ratio | 49.23% | 49.07% | 49.72% | 48.29% | 54.60% | 51.45% | 53.66% | 55.66% | +737 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.65% | 6.08% | 6.08% | 7.37% | 6.00% | 5.68% | 5.74% | -9.09% | -1,645 bps | |
| Loan Growth (YoY) | -2.33% | -2.68% | -1.64% | 2.33% | 4.19% | 1.88% | 3.59% | -0.11% | -244 bps | |
| Share Growth (YoY) | 8.17% | 5.05% | 4.34% | -5.25% | 3.52% | 4.13% | 4.00% | -2.86% | +239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.46% | 0.42% | 1.09% | 0.48% | 0.55% | 0.43% | 0.18% | -91 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 | 1.16% | 1.20% | 1.20% | 1.30% | 0.74% | 0.75% | 0.80% | 0.87% | -42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.41% | 17.62% | 17.66% | 17.21% | 18.61% | 18.71% | 18.56% | 20.81% | +360 bps | |
| Net Worth / Assets | 17.41% | 17.62% | 17.66% | 17.21% | 18.61% | 18.71% | 18.56% | 20.81% | +360 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.77% | 69.81% | 68.40% | 73.54% | 72.24% | 68.30% | 68.13% | 75.62% | +208 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |