Pottsville, PA · Charter 8523
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.61% | 0.78% | 0.73% | 1.00% | +67 bps | |
| Return on Equity | 3.28% | 6.04% | 7.82% | 7.69% | 9.94% | +666 bps | |
| Net Interest Margin | 3.89% | 3.92% | 3.91% | 3.77% | 4.13% | +24 bps | |
| Efficiency Ratio | 80.00% | 75.16% | 71.16% | 75.16% | 68.70% | -1,130 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.75% | 12.78% | 9.55% | 9.82% | 11.06% | -169 bps | |
| Loan Growth (YoY) | 18.24% | 16.56% | 15.95% | 14.25% | 12.24% | -600 bps | |
| Share Growth (YoY) | 16.47% | 16.36% | 11.84% | 9.46% | 11.51% | -496 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.76% | 0.74% | 0.86% | 0.73% | +16 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.14% | 10.03% | 9.98% | 9.54% | 10.05% | -9 bps | |
| Net Worth / Assets | 10.14% | 10.03% | 9.98% | 9.54% | 10.05% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.44% | 92.90% | 93.15% | 92.85% | 94.05% | +61 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |