South Fork, PA · Charter 909
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.45% | 1.34% | 1.34% | 1.32% | 1.25% | 0.78% | 0.85% | -49 bps | |
| Return on Equity | 7.36% | 7.28% | 6.75% | 6.55% | 6.38% | 5.94% | 3.83% | 4.09% | -246 bps | |
| Net Interest Margin | 2.75% | 2.77% | 2.68% | 2.68% | 2.66% | 2.63% | 2.17% | 2.14% | -53 bps | |
| Efficiency Ratio | 49.70% | 49.13% | 51.37% | 52.82% | 53.04% | 55.00% | 67.34% | 64.33% | +1,152 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.78% | -1.62% | 0.31% | -0.70% | 0.53% | 0.47% | 2.80% | 3.23% | +393 bps | |
| Loan Growth (YoY) | 24.48% | 17.03% | 17.16% | 13.67% | 10.61% | 8.29% | 3.77% | 0.37% | -1,330 bps | |
| Share Growth (YoY) | -3.92% | -3.79% | -1.48% | -2.75% | -1.35% | -1.20% | 1.89% | 2.77% | +552 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.09% | 0.17% | 0.17% | 0.26% | 0.30% | 0.16% | 0.10% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.50% | 19.86% | 19.88% | 20.41% | 20.76% | 21.01% | 20.41% | 20.75% | +35 bps | |
| Net Worth / Assets | 19.50% | 19.86% | 19.88% | 20.41% | 20.76% | 21.01% | 20.41% | 20.75% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.00% | 50.67% | 51.56% | 53.80% | 56.06% | 55.54% | 52.50% | 52.54% | -126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |