Lanco
Lancaster, PA · Charter 16657 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 3 branches
Q2 2026
$124.6MAssets
$88.6MLoans
$110.1MShares
$13.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets in PA (rank 6 of 72).
- Widest gap: equity / assets trails 74% of credit unions under $1B in assets in PA (rank 53 of 72).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |