PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

North East Welch

North East, PA · Charter 8687

NCUA · 2 branches

Q2 2026

$26.0MAssets
$14.1MLoans
$21.4MShares
$4.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.44%, down 60 bps year over year; NIM at 4.63%.
  • Asset quality: problem loans at 1.37% of loans (+39 bps YoY).
  • Capital: net worth / assets of 16.84%, up 49 bps from a year ago.
  • Funding: loans stand at 65.98% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.44%-60 bps YoY

Net Interest Margin (quarter, annualized)

4.63%-21 bps YoY

Efficiency Ratio (quarter, annualized)

70.98%+702 bps YoY

Net Worth / Assets

16.84%+49 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.48%2.08%2.04%2.04%2.00%1.22%1.44%-60 bps
Return on Equity8.94%9.47%13.32%12.46%11.89%11.72%7.34%8.53%-393 bps
Net Interest Margin4.81%4.79%4.66%4.84%4.96%4.81%4.61%4.63%-21 bps
Efficiency Ratio72.25%69.90%62.81%63.96%64.80%64.52%72.49%70.98%+702 bps
Growth
Asset Growth (YoY)-0.01%2.08%0.97%0.26%1.30%3.91%4.65%7.75%+748 bps
Loan Growth (YoY)11.95%14.82%12.96%15.10%4.17%-0.74%2.75%0.44%-1,467 bps
Share Growth (YoY)-2.49%0.54%-0.62%-2.02%-0.38%2.11%3.02%7.12%+914 bps
Asset Quality
Delinquent Loans / Loans0.95%1.41%1.04%0.99%0.79%0.54%0.85%1.37%+39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.38%15.66%15.62%16.35%17.17%17.07%16.65%16.84%+49 bps
Net Worth / Assets15.38%15.66%15.62%16.35%17.17%17.07%16.65%16.84%+49 bps
Liquidity & Funding
Loans / Shares69.00%69.74%66.39%70.37%72.14%67.79%66.22%65.98%-439 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps