Lancaster, PA · Charter 10223
NCUA · 11 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.48% | 0.75% | 0.76% | 0.73% | 0.74% | 0.96% | 1.07% | +30 bps | |
| Return on Equity | 6.09% | 6.32% | 9.75% | 9.56% | 9.10% | 9.16% | 11.39% | 12.26% | +270 bps | |
| Net Interest Margin | 2.74% | 2.82% | 3.32% | 3.42% | 3.43% | 3.42% | 3.74% | 3.89% | +46 bps | |
| Efficiency Ratio | 83.41% | 82.65% | 77.74% | 76.78% | 76.76% | 76.56% | 72.84% | 71.59% | -519 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.48% | 4.03% | 3.01% | 0.99% | 2.02% | 3.32% | 1.46% | 2.35% | +136 bps | |
| Loan Growth (YoY) | 12.15% | 15.94% | 16.28% | 14.96% | 9.63% | 7.48% | 7.27% | 7.34% | -762 bps | |
| Share Growth (YoY) | 13.11% | 8.12% | 5.14% | 2.47% | 3.18% | 4.53% | 6.07% | 7.39% | +492 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.38% | 0.54% | 0.69% | 0.91% | 0.70% | 0.47% | 0.54% | -15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.94% | 7.56% | 7.70% | 7.96% | 8.04% | 8.05% | 8.39% | 8.69% | +72 bps | |
| Net Worth / Assets | 7.94% | 7.56% | 7.70% | 7.96% | 8.04% | 8.05% | 8.39% | 8.69% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.77% | 83.65% | 83.78% | 87.45% | 86.88% | 86.01% | 84.73% | 87.41% | -3 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 99.76% | 0.00% | 0.00% | 0.00% | 0.00% | -9,976 bps | |