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R-S Bellco

New Brighton, PA · Charter 8540

NCUA · 1 branch

Q2 2026

$44.5MAssets
$29.8MLoans
$41.4MShares
$3.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.91%, up 33 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.86% of loans (+14 bps YoY).
  • Capital: net worth / assets of 7.17%, down 39 bps from a year ago.
  • Funding: loans stand at 71.84% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+59 bps YoY

Efficiency Ratio (YTD, annualized)

78.70%-670 bps YoY

Net Worth / Assets

7.17%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.67%0.37%1.09%0.91%+33 bps
Return on Equity7.59%8.75%5.12%15.58%12.64%+505 bps
Net Interest Margin3.28%3.39%3.44%3.71%3.88%+59 bps
Efficiency Ratio85.40%82.74%88.86%76.54%78.70%-670 bps
Growth
Asset Growth (YoY)3.79%3.45%7.25%13.53%13.32%+953 bps
Loan Growth (YoY)13.76%22.51%22.97%26.88%25.29%+1,152 bps
Share Growth (YoY)4.44%3.15%7.43%13.79%13.06%+862 bps
Asset Quality
Delinquent Loans / Loans0.72%0.91%1.36%0.90%0.86%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.57%7.62%7.24%7.02%7.17%-39 bps
Net Worth / Assets7.57%7.62%7.24%7.02%7.17%-39 bps
Liquidity & Funding
Loans / Shares64.83%69.00%69.66%67.87%71.84%+701 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps