Everence
Lancaster, PA · Charter 10223 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
$449.8MAssets
$361.1MLoans
$413.1MShares
$39.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 93% of credit unions under $1B in assets (rank 125 of 1681).
- Widest gap: equity / assets trails 92% of credit unions under $1B in assets (rank 1545 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.06%
Rank 525 of 1,683
Net Interest Margin
3.89%
Rank 778 of 1,683
Efficiency Ratio
71.60%
Rank 523 of 1,682
Equity / Assets
8.69%
Rank 1,545 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.35% | 0.74% | 1.18% | Beats 69% | 525 / 1,683 | |
| Return on Equity | 12.26% | 2.67% | 5.89% | 8.74% | Beats 93% | 125 / 1,681 | |
| Net Interest Margin | 3.89% | 3.31% | 3.82% | 4.32% | Beats 54% | 778 / 1,683 | |
| Efficiency Ratio | 71.60% | 68.91% | 78.20% | 86.93% | Beats 69% | 523 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.26% | 0.65% | 1.29% | Beats 57% | 731 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.69% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,545 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.69% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,545 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 87.41% | 52.61% | 69.38% | 83.50% | 82nd pctl | 304 / 1,683 | |
| Loans / Assets | 80.28% | 44.71% | 59.18% | 70.72% | 92nd pctl | 131 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |