Lehigh Valley, PA · Charter 12765
NCUA · 17 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.50% | 0.59% | 0.58% | 0.68% | +2 bps | |
| Return on Equity | 6.85% | 5.13% | 6.07% | 6.00% | 6.83% | -2 bps | |
| Net Interest Margin | 3.80% | 3.91% | 3.88% | 3.97% | 4.12% | +33 bps | |
| Efficiency Ratio | 71.54% | 74.49% | 73.78% | 73.45% | 72.58% | +104 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.99% | 4.79% | 7.41% | 5.33% | 3.61% | +262 bps | |
| Loan Growth (YoY) | 1.63% | 2.04% | 2.10% | 1.70% | 3.75% | +212 bps | |
| Share Growth (YoY) | 2.92% | 4.74% | 6.69% | 5.15% | 3.10% | +18 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.75% | 9.84% | 9.77% | 9.74% | 10.02% | +27 bps | |
| Net Worth / Assets | 9.75% | 9.84% | 9.77% | 9.74% | 10.02% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |