PackageTrendsPeer
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Discovery

Wyomissing, PA · Charter 12935

NCUA · 1 branch

Q2 2026

$193.2MAssets
$132.0MLoans
$171.1MShares
$22.2MNet 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 0.68%, up 20 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.48% of loans (+8 bps YoY).
  • Capital: net worth / assets of 11.48%, up 54 bps from a year ago.
  • Funding: loans stand at 77.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+46 bps YoY

Efficiency Ratio (YTD, annualized)

81.63%-300 bps YoY

Net Worth / Assets

11.48%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.71%0.92%0.89%0.68%+20 bps
Return on Equity4.36%6.30%8.01%7.82%5.90%+154 bps
Net Interest Margin3.24%3.35%3.39%3.70%3.70%+46 bps
Efficiency Ratio84.64%78.16%76.32%78.87%81.63%-300 bps
Growth
Asset Growth (YoY)2.80%3.36%3.88%4.20%4.39%+159 bps
Loan Growth (YoY)9.48%10.86%10.58%8.18%9.38%-11 bps
Share Growth (YoY)1.81%2.46%2.85%3.06%3.49%+169 bps
Asset Quality
Delinquent Loans / Loans0.41%0.44%0.43%0.40%0.48%+8 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 Capital10.93%11.20%11.44%11.42%11.48%+54 bps
Net Worth / Assets10.93%11.20%11.44%11.42%11.48%+54 bps
Liquidity & Funding
Loans / Shares72.99%76.31%77.63%76.19%77.14%+415 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps