Lancaster, PA · Charter 14829
NCUA · 2 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 | -1.20% | -1.93% | -6.84% | -2.52% | -1.87% | -1.66% | -0.87% | -0.74% | +177 bps | |
| Return on Equity | -7.30% | -12.79% | -50.86% | -17.77% | -15.01% | -13.33% | -6.91% | -5.50% | +1,228 bps | |
| Net Interest Margin | 3.48% | 3.43% | 3.41% | 3.57% | 3.30% | 3.49% | 3.95% | 4.25% | +68 bps | |
| Efficiency Ratio | 128.38% | 138.86% | 125.73% | 125.72% | 127.68% | 125.28% | 114.80% | 115.15% | -1,057 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.17% | -9.59% | -7.59% | -6.63% | 10.74% | 6.55% | 4.87% | -1.82% | +480 bps | |
| Loan Growth (YoY) | 5.89% | 11.12% | 6.09% | -4.44% | 26.01% | 39.93% | 42.14% | 51.16% | +5,560 bps | |
| Share Growth (YoY) | -20.65% | -8.76% | -5.29% | -4.95% | 16.09% | 9.83% | 5.79% | -1.02% | +393 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.73% | 0.43% | 0.48% | 1.79% | 3.47% | 4.37% | 2.98% | 3.30% | +151 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 | 1.19% | 0.48% | 4.15% | 1.84% | 1.35% | 1.21% | 1.30% | 1.17% | -67 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.40% | 15.08% | 13.44% | 14.16% | 12.45% | 12.49% | 12.53% | 13.48% | -67 bps | |
| Net Worth / Assets | 16.40% | 15.08% | 13.44% | 14.16% | 12.45% | 12.49% | 12.53% | 13.48% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.96% | 45.91% | 44.12% | 43.49% | 52.06% | 58.49% | 59.28% | 66.42% | +2,293 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |