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Central Susquehanna Community

Danville, PA · Charter 14180

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in PA3

Basis

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.

Peer group

Credit unions under $1B in assets in PA (n=72). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

36

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

37

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central Susquehanna Community

Danville, PA · Charter 14180

NCUA · 2 branches

Q2 2026

$37.4MAssets
$18.5MLoans
$32.8MShares
$4.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.81%, up 33 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.07%, up 4 bps from a year ago.
  • Funding: loans stand at 56.47% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.81%+33 bps YoY

Net Interest Margin (YTD, annualized)

2.74%-1 bps YoY

Efficiency Ratio (YTD, annualized)

79.08%-394 bps YoY

Net Worth / Assets

12.07%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.98%0.29%0.48%0.40%0.48%0.88%0.81%+33 bps
Return on Equity7.28%7.71%2.33%3.96%3.25%3.95%7.45%6.72%+276 bps
Net Interest Margin3.25%3.11%2.72%2.74%2.80%2.78%2.68%2.74%-1 bps
Efficiency Ratio73.01%72.86%88.44%83.02%86.09%84.00%73.84%79.08%-394 bps
Growth
Asset Growth (YoY)6.90%4.03%7.70%9.85%8.78%8.55%8.20%4.53%-533 bps
Loan Growth (YoY)22.06%14.53%20.98%23.52%19.69%13.69%8.85%6.70%-1,682 bps
Share Growth (YoY)6.38%2.65%7.05%9.73%8.91%9.20%8.62%4.39%-534 bps
Asset Quality
Delinquent Loans / Loans0.03%0.08%0.05%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.41%12.72%12.27%12.03%12.20%12.11%11.87%12.07%+4 bps
Net Worth / Assets12.41%12.72%12.27%12.03%12.20%12.11%11.87%12.07%+4 bps
Liquidity & Funding
Loans / Shares53.64%54.16%55.16%55.25%58.95%56.39%55.28%56.47%+122 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Central Susquehanna Community

Danville, PA · Charter 14180 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 2 branches

Q2 2026

$37.4MAssets
$18.5MLoans
$32.8MShares
$4.5MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in PA (rank 7 of 72).
  • Widest gap: net interest margin trails 87% of credit unions under $1B in assets in PA (rank 63 of 72).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.81%

Rank 45 of 72

Net Interest Margin

2.73%

Rank 63 of 72

Efficiency Ratio

79.19%

Rank 46 of 72

Equity / Assets

12.07%

Rank 46 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.81%0.59%1.06%1.40%Beats 38%45 / 72
Return on Equity6.74%5.27%7.11%9.91%Beats 43%41 / 72
Net Interest Margin2.73%3.09%3.57%4.10%Beats 13%63 / 72
Efficiency Ratio79.19%64.37%73.67%81.63%Beats 37%46 / 72
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.58%1.09%Beats 100%7 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.07%10.74%12.96%16.84%Beats 36%46 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.07%10.74%12.96%16.84%Beats 36%46 / 72
Liquidity & Funding
Loans / Deposits56.47%34.39%52.54%65.98%58th pctl30 / 72
Loans / Assets49.59%30.23%45.37%57.67%61st pctl28 / 72
Brokered Deposits / Depositsn/aNot reported for this institution