Lancaster, PA · Charter 16657
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
26
Asset Quality
33
Profitability
76
Liquidity
0
Efficiency
42
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.
Lancaster, PA · Charter 16657
NCUA · 3 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 | 1.04% | 0.98% | 0.88% | 0.70% | 0.79% | 0.75% | 1.22% | 1.19% | +49 bps | |
| Return on Equity | 10.41% | 10.01% | 8.95% | 6.89% | 7.46% | 7.05% | 11.39% | 10.62% | +373 bps | |
| Net Interest Margin | 3.93% | 3.85% | 3.84% | 3.99% | 4.19% | 4.28% | 4.27% | 4.39% | +40 bps | |
| Efficiency Ratio | 74.20% | 74.55% | 77.86% | 78.72% | 79.63% | 80.99% | 76.82% | 76.87% | -184 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.09% | 6.03% | 2.82% | 0.73% | -0.27% | -3.55% | -2.74% | -2.58% | -331 bps | |
| Loan Growth (YoY) | -5.32% | -4.03% | -3.37% | -1.32% | 0.25% | 0.65% | 3.11% | 3.36% | +467 bps | |
| Share Growth (YoY) | 1.78% | 5.22% | 1.05% | -0.27% | -1.38% | -6.76% | -3.68% | -3.99% | -371 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.74% | 0.61% | 1.90% | 1.85% | 0.85% | 0.49% | 0.85% | -106 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.96% | 9.74% | 9.82% | 10.11% | 10.63% | 10.69% | 10.74% | 11.19% | +108 bps | |
| Net Worth / Assets | 9.96% | 9.74% | 9.82% | 10.11% | 10.63% | 10.69% | 10.74% | 11.19% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.20% | 74.80% | 72.75% | 74.75% | 78.48% | 80.74% | 77.88% | 80.47% | +572 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lancaster, PA · Charter 16657 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 3 branches
Q2 2026
Return on Assets
1.19%
Rank 31 of 72
Net Interest Margin
4.39%
Rank 6 of 72
Efficiency Ratio
76.85%
Rank 43 of 72
Equity / Assets
11.19%
Rank 53 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.19% | 0.59% | 1.06% | 1.40% | Beats 57% | 31 / 72 | ||
| Return on Equity | 10.63% | 5.27% | 7.11% | 9.91% | Beats 79% | 15 / 72 | ||
| Net Interest Margin | 4.39% | 3.09% | 3.57% | 4.10% | Beats 92% | 6 / 72 | ||
| Efficiency Ratio | 76.85% | 64.37% | 73.67% | 81.63% | Beats 42% | 43 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.85% | 0.20% | 0.58% | 1.09% | Beats 33% | 49 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.19% | 10.74% | 12.96% | 16.84% | Beats 26% | 53 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.19% | 10.74% | 12.96% | 16.84% | Beats 26% | 53 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.47% | 34.39% | 52.54% | 65.98% | 92nd pctl | 6 / 72 | ||
| Loans / Assets | 71.09% | 30.23% | 45.37% | 57.67% | 94th pctl | 4 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||