PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

N.F.G. #2

Warren, PA · Charter 9776

NCUA · 1 branch

Q2 2026

$24.2MAssets
$3.8MLoans
$20.5MShares
$3.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.91%, up 3 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 1.28% of loans (+111 bps YoY).
  • Capital: net worth / assets of 15.74%, up 55 bps from a year ago.
  • Funding: loans stand at 18.40% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.91%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.57%+22 bps YoY

Efficiency Ratio (quarter, annualized)

74.22%-168 bps YoY

Net Worth / Assets

15.74%+55 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.73%0.76%0.89%0.93%0.49%0.81%0.91%+3 bps
Return on Equity4.98%4.87%5.18%5.85%5.94%3.26%5.37%5.81%-4 bps
Net Interest Margin2.99%3.17%3.24%3.35%3.44%3.40%3.35%3.57%+22 bps
Efficiency Ratio78.68%79.52%78.57%75.90%75.18%86.86%77.69%74.22%-168 bps
Growth
Asset Growth (YoY)-2.59%-2.62%-0.42%-4.94%-2.53%2.00%1.00%-0.49%+446 bps
Loan Growth (YoY)-5.41%-5.93%-6.60%-6.77%-8.46%-12.16%-9.33%-10.43%-366 bps
Share Growth (YoY)-3.89%-2.90%-1.50%-6.74%-3.96%1.62%0.47%-1.24%+550 bps
Asset Quality
Delinquent Loans / Loans0.65%0.82%0.43%0.17%0.55%1.17%0.45%1.28%+111 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 Capital14.36%14.91%14.77%15.19%15.59%15.08%15.09%15.74%+55 bps
Net Worth / Assets14.36%14.91%14.77%15.19%15.59%15.08%15.09%15.74%+55 bps
Liquidity & Funding
Loans / Shares21.02%21.79%20.05%20.29%20.03%18.84%18.10%18.40%-189 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps