PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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