PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Morrisons Cove 1st

Roaring Spring, PA · Charter 9681

NCUA · 1 branch

Q2 2026

$61.9MAssets
$21.6MLoans
$55.1MShares
$6.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.39%, up 6 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.67% of loans (+18 bps YoY).
  • Capital: net worth / assets of 10.67%, up 62 bps from a year ago.
  • Funding: loans stand at 39.13% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.39%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.39%+3 bps YoY

Efficiency Ratio (quarter, annualized)

62.89%-19 bps YoY

Net Worth / Assets

10.67%+62 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.95%1.20%1.33%1.36%1.34%1.50%1.39%+6 bps
Return on Equity9.57%9.81%12.34%13.23%13.07%12.53%14.45%13.03%-20 bps
Net Interest Margin2.87%2.97%3.20%3.36%3.45%3.47%3.49%3.39%+3 bps
Efficiency Ratio70.47%69.34%65.60%63.09%62.99%63.44%60.83%62.89%-19 bps
Growth
Asset Growth (YoY)3.79%4.12%2.20%2.81%2.42%3.08%8.03%7.61%+480 bps
Loan Growth (YoY)7.90%3.68%0.59%-3.00%-6.88%-8.21%-9.06%-6.75%-376 bps
Share Growth (YoY)3.27%3.44%1.24%1.41%1.20%1.90%7.39%7.38%+598 bps
Asset Quality
Delinquent Loans / Loans0.39%0.23%0.37%0.48%0.45%0.56%0.63%0.67%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.35%9.65%9.75%10.06%10.41%10.70%10.37%10.67%+62 bps
Net Worth / Assets9.35%9.65%9.75%10.06%10.41%10.70%10.37%10.67%+62 bps
Liquidity & Funding
Loans / Shares48.41%48.05%46.01%45.07%44.54%43.28%38.97%39.13%-593 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps