New Kensington, PA · Charter 8825
NCUA · 1 branch
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 | 1.23% | 0.93% | 0.93% | 1.58% | 1.27% | +5 bps | |
| Return on Equity | 6.66% | 5.02% | 5.00% | 8.47% | 6.70% | +3 bps | |
| Net Interest Margin | 4.60% | 4.61% | 4.55% | 4.79% | 4.41% | -19 bps | |
| Efficiency Ratio | 70.66% | 68.22% | 67.56% | 68.35% | 72.50% | +184 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.20% | -2.19% | 2.64% | 2.38% | 1.99% | +419 bps | |
| Loan Growth (YoY) | 1.29% | 4.13% | 1.48% | -0.27% | -12.21% | -1,350 bps | |
| Share Growth (YoY) | -4.45% | -4.01% | 2.05% | 1.68% | 1.27% | +573 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.78% | 2.35% | 2.52% | 2.09% | 1.84% | +6 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 | 18.42% | 18.52% | 18.66% | 18.69% | 19.01% | +59 bps | |
| Net Worth / Assets | 18.42% | 18.52% | 18.66% | 18.69% | 19.01% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.08% | 56.97% | 53.40% | 49.93% | 47.75% | -733 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |