PackageTrendsPeer
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Everence

Lancaster, PA · Charter 10223

NCUA · 11 branches

Q2 2026

$449.8MAssets
$361.1MLoans
$413.1MShares
$39.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.07%, up 30 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.54% of loans (-15 bps YoY).
  • Capital: net worth / assets of 8.69%, up 72 bps from a year ago.
  • Funding: loans stand at 87.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+46 bps YoY

Efficiency Ratio (YTD, annualized)

71.59%-519 bps YoY

Net Worth / Assets

8.69%+72 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.73%0.74%0.96%1.07%+30 bps
Return on Equity9.56%9.10%9.16%11.39%12.26%+270 bps
Net Interest Margin3.42%3.43%3.42%3.74%3.89%+46 bps
Efficiency Ratio76.78%76.76%76.56%72.84%71.59%-519 bps
Growth
Asset Growth (YoY)0.99%2.02%3.32%1.46%2.35%+136 bps
Loan Growth (YoY)14.96%9.63%7.48%7.27%7.34%-762 bps
Share Growth (YoY)2.47%3.18%4.53%6.07%7.39%+492 bps
Asset Quality
Delinquent Loans / Loans0.69%0.91%0.70%0.47%0.54%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.96%8.04%8.05%8.39%8.69%+72 bps
Net Worth / Assets7.96%8.04%8.05%8.39%8.69%+72 bps
Liquidity & Funding
Loans / Shares87.45%86.88%86.01%84.73%87.41%-3 bps
Liquid Assets / Assets99.76%0.00%0.00%0.00%0.00%-9,976 bps