Beaver, PA · Charter 9476
NCUA · 2 branches
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 | 1.35% | 1.39% | 1.22% | 1.00% | 1.13% | -22 bps | |
| Return on Equity | 10.24% | 10.26% | 8.80% | 7.28% | 8.16% | -208 bps | |
| Net Interest Margin | 3.57% | 3.54% | 3.49% | 3.30% | 3.35% | -22 bps | |
| Efficiency Ratio | 64.01% | 62.48% | 66.73% | 72.25% | 68.73% | +471 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.97% | 4.41% | 1.76% | 4.26% | 3.14% | +217 bps | |
| Loan Growth (YoY) | -6.11% | -10.18% | -14.30% | -14.98% | -15.32% | -921 bps | |
| Share Growth (YoY) | -0.50% | 3.91% | 0.62% | 3.55% | 2.36% | +286 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.62% | 2.07% | 1.61% | 1.57% | 1.31% | -130 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 | 13.21% | 13.55% | 13.86% | 13.76% | 13.89% | +68 bps | |
| Net Worth / Assets | 13.21% | 13.55% | 13.86% | 13.76% | 13.89% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.76% | 28.74% | 27.60% | 25.77% | 24.62% | -514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |