PackageTrendsPeer
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PRR South Fork

South Fork, PA · Charter 909

NCUA · 2 branches

Q2 2026

$48.8MAssets
$20.2MLoans
$38.4MShares
$10.1MNet 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 0.85%, down 49 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 0.10% of loans (-7 bps YoY).
  • Capital: net worth / assets of 20.75%, up 35 bps from a year ago.
  • Funding: loans stand at 52.54% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.85%-49 bps YoY

Net Interest Margin (quarter, annualized)

2.14%-53 bps YoY

Efficiency Ratio (quarter, annualized)

64.33%+1,152 bps YoY

Net Worth / Assets

20.75%+35 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.32%1.25%0.78%0.85%-49 bps
Return on Equity6.55%6.38%5.94%3.83%4.09%-246 bps
Net Interest Margin2.68%2.66%2.63%2.17%2.14%-53 bps
Efficiency Ratio52.82%53.04%55.00%67.34%64.33%+1,152 bps
Growth
Asset Growth (YoY)-0.70%0.53%0.47%2.80%3.23%+393 bps
Loan Growth (YoY)13.67%10.61%8.29%3.77%0.37%-1,330 bps
Share Growth (YoY)-2.75%-1.35%-1.20%1.89%2.77%+552 bps
Asset Quality
Delinquent Loans / Loans0.17%0.26%0.30%0.16%0.10%-7 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 Capital20.41%20.76%21.01%20.41%20.75%+35 bps
Net Worth / Assets20.41%20.76%21.01%20.41%20.75%+35 bps
Liquidity & Funding
Loans / Shares53.80%56.06%55.54%52.50%52.54%-126 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps