Lehigh Valley, PA · Charter 12765
NCUA · 17 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
9
Profitability
57
Liquidity
90
Efficiency
46
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lehigh Valley, PA · Charter 12765
NCUA · 17 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 | 0.34% | 0.07% | 1.21% | 0.67% | 0.50% | 0.59% | 0.58% | 0.68% | +2 bps | |
| Return on Equity | 3.42% | 0.75% | 12.37% | 6.85% | 5.13% | 6.07% | 6.00% | 6.83% | -2 bps | |
| Net Interest Margin | 3.29% | 3.40% | 3.73% | 3.80% | 3.91% | 3.88% | 3.97% | 4.12% | +33 bps | |
| Efficiency Ratio | 75.73% | 75.69% | 64.09% | 71.54% | 74.49% | 73.78% | 73.45% | 72.58% | +104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.01% | 12.78% | 16.80% | 0.99% | 4.79% | 7.41% | 5.33% | 3.61% | +262 bps | |
| Loan Growth (YoY) | 18.09% | 17.63% | 15.29% | 1.63% | 2.04% | 2.10% | 1.70% | 3.75% | +212 bps | |
| Share Growth (YoY) | 19.43% | 15.86% | 19.75% | 2.92% | 4.74% | 6.69% | 5.15% | 3.10% | +18 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.79% | 1.12% | 1.29% | 1.23% | 1.23% | 1.02% | 1.53% | +24 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 | 10.09% | 9.86% | 9.79% | 9.75% | 9.84% | 9.77% | 9.74% | 10.02% | +27 bps | |
| Net Worth / Assets | 10.09% | 9.86% | 9.79% | 9.75% | 9.84% | 9.77% | 9.74% | 10.02% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.71% | 90.77% | 86.26% | 85.56% | 88.37% | 86.87% | 83.43% | 86.10% | +54 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lehigh Valley, PA · Charter 12765 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 17 branches
Q2 2026
Return on Assets
0.68%
Rank 280 of 435
Net Interest Margin
4.12%
Rank 37 of 435
Efficiency Ratio
72.58%
Rank 235 of 435
Equity / Assets
10.02%
Rank 300 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.68% | 0.55% | 0.81% | 1.14% | Beats 36% | 280 / 435 | ||
| Return on Equity | 6.83% | 5.12% | 7.41% | 9.70% | Beats 43% | 248 / 435 | ||
| Net Interest Margin | 4.12% | 3.01% | 3.39% | 3.75% | Beats 91% | 37 / 435 | ||
| Efficiency Ratio | 72.58% | 65.25% | 71.39% | 77.86% | Beats 46% | 235 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.53% | 0.45% | 0.69% | 1.05% | Beats 9% | 395 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.02% | 9.81% | 10.84% | 12.63% | Beats 31% | 300 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.02% | 9.81% | 10.84% | 12.63% | Beats 31% | 300 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.10% | 78.33% | 88.38% | 95.61% | 44th pctl | 245 / 435 | ||
| Loans / Assets | 77.14% | 67.69% | 74.58% | 80.80% | 59th pctl | 178 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||