Sunbury, PA · Charter 9213
NCUA · 1 branch
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 | 1.04% | 1.09% | 1.05% | 1.23% | 1.26% | 1.24% | 1.08% | 1.20% | -3 bps | |
| Return on Equity | 5.57% | 5.97% | 5.85% | 6.70% | 6.79% | 6.64% | 5.84% | 6.35% | -35 bps | |
| Net Interest Margin | 2.88% | 2.83% | 2.93% | 3.04% | 3.10% | 3.09% | 2.95% | 3.01% | -3 bps | |
| Efficiency Ratio | 66.53% | 65.09% | 66.20% | 63.15% | 62.61% | 62.01% | 66.17% | 64.20% | +106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.99% | 13.23% | 13.19% | 8.10% | 7.38% | 4.22% | 3.80% | 3.69% | -440 bps | |
| Loan Growth (YoY) | 1.40% | 0.14% | -2.21% | 0.45% | 3.58% | 5.11% | 2.91% | 1.43% | +98 bps | |
| Share Growth (YoY) | 9.48% | 14.70% | 14.31% | 7.33% | 7.67% | 3.43% | 3.19% | 3.47% | -386 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.89% | 0.86% | 0.94% | 0.98% | 0.97% | 0.67% | 0.72% | -22 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 | 18.70% | 18.28% | 17.98% | 18.32% | 18.62% | 18.72% | 18.48% | 18.82% | +50 bps | |
| Net Worth / Assets | 18.70% | 18.28% | 17.98% | 18.32% | 18.62% | 18.72% | 18.48% | 18.82% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.15% | 52.22% | 50.81% | 52.67% | 53.06% | 53.07% | 50.67% | 51.63% | -103 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |