PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

North Penn

Colmar, PA · Charter 10720

NCUA · 1 branch

Q2 2026

$21.2MAssets
$5.4MLoans
$18.6MShares
$2.7MNet 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 1.12%, up 6 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.68% of loans (-91 bps YoY).
  • Capital: net worth / assets of 12.55%, up 96 bps from a year ago.
  • Funding: loans stand at 28.84% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.12%+6 bps YoY

Net Interest Margin (quarter, annualized)

2.98%+46 bps YoY

Efficiency Ratio (quarter, annualized)

64.26%-280 bps YoY

Net Worth / Assets

12.55%+96 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.07%1.04%0.93%1.12%+6 bps
Return on Equity9.20%9.02%8.63%7.75%8.95%-24 bps
Net Interest Margin2.52%2.68%2.73%2.78%2.98%+46 bps
Efficiency Ratio67.05%67.13%67.46%67.37%64.26%-280 bps
Growth
Asset Growth (YoY)1.61%5.22%3.86%1.98%0.94%-67 bps
Loan Growth (YoY)8.10%1.17%-3.96%-3.41%-3.95%-1,205 bps
Share Growth (YoY)0.93%4.82%3.12%1.03%-0.17%-109 bps
Asset Quality
Delinquent Loans / Loans1.59%0.88%1.16%0.80%0.68%-91 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 Capital11.59%11.81%12.07%11.98%12.55%+96 bps
Net Worth / Assets11.59%11.81%12.07%11.98%12.55%+96 bps
Liquidity & Funding
Loans / Shares29.97%28.42%28.34%27.47%28.84%-113 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps