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Wheatland

Lancaster, PA · Charter 1658

NCUA · 4 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

6

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

4

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

Wheatland

Lancaster, PA · Charter 1658

NCUA · 4 branches

Q2 2026

$69.9MAssets
$38.1MLoans
$63.7MShares
$6.0MNet 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 0.45%, down 13 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.24% of loans (-23 bps YoY).
  • Capital: net worth / assets of 8.59%, up 24 bps from a year ago.
  • Funding: loans stand at 59.77% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.45%-13 bps YoY

Net Interest Margin (YTD, annualized)

3.66%-7 bps YoY

Efficiency Ratio (YTD, annualized)

93.40%+572 bps YoY

Net Worth / Assets

8.59%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.57%0.50%0.39%0.45%-13 bps
Return on Equity6.97%6.52%5.62%4.48%5.28%-168 bps
Net Interest Margin3.73%3.89%3.93%3.59%3.66%-7 bps
Efficiency Ratio87.67%87.11%87.13%93.91%93.40%+572 bps
Growth
Asset Growth (YoY)3.23%1.18%-1.52%-1.56%0.00%-323 bps
Loan Growth (YoY)-16.57%-16.52%-11.64%-9.11%-7.59%+898 bps
Share Growth (YoY)2.81%0.57%-2.17%-2.19%-0.46%-328 bps
Asset Quality
Delinquent Loans / Loans0.46%0.32%0.48%0.67%0.24%-23 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 Capital8.35%8.70%8.89%8.63%8.59%+24 bps
Net Worth / Assets8.35%8.70%8.89%8.63%8.59%+24 bps
Liquidity & Funding
Loans / Shares64.37%63.00%63.64%59.87%59.77%-461 bps
Liquid Assets / Assets0.00%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

Wheatland

Lancaster, PA · Charter 1658 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 4 branches

Q2 2026

$69.9MAssets
$38.1MLoans
$63.7MShares
$6.0MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 74% of credit unions under $1B in assets in PA (rank 20 of 72).
  • Widest gap: efficiency ratio trails 96% of credit unions under $1B in assets in PA (rank 70 of 72).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.46%

Rank 60 of 72

Net Interest Margin

3.66%

Rank 31 of 72

Efficiency Ratio

93.37%

Rank 70 of 72

Equity / Assets

8.59%

Rank 68 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.46%0.59%1.06%1.40%Beats 17%60 / 72
Return on Equity5.30%5.27%7.11%9.91%Beats 26%53 / 72
Net Interest Margin3.66%3.09%3.57%4.10%Beats 57%31 / 72
Efficiency Ratio93.37%64.37%73.67%81.63%Beats 4%70 / 72
Asset Quality
Nonperforming Loans / Loans0.24%0.20%0.58%1.09%Beats 74%20 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.59%10.74%12.96%16.84%Beats 6%68 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.59%10.74%12.96%16.84%Beats 6%68 / 72
Liquidity & Funding
Loans / Deposits59.77%34.39%52.54%65.98%68th pctl23 / 72
Loans / Assets54.49%30.23%45.37%57.67%71st pctl21 / 72
Brokered Deposits / Depositsn/aNot reported for this institution