PackageTrendsPeer
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Lanco

Lancaster, PA · Charter 16657

NCUA · 3 branches

Q2 2026

$124.6MAssets
$88.6MLoans
$110.1MShares
$13.9MNet 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 1.19%, up 49 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 0.85% of loans (-106 bps YoY).
  • Capital: net worth / assets of 11.19%, up 108 bps from a year ago.
  • Funding: loans stand at 80.47% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.19%+49 bps YoY

Net Interest Margin (quarter, annualized)

4.39%+40 bps YoY

Efficiency Ratio (quarter, annualized)

76.87%-184 bps YoY

Net Worth / Assets

11.19%+108 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.79%0.75%1.22%1.19%+49 bps
Return on Equity6.89%7.46%7.05%11.39%10.62%+373 bps
Net Interest Margin3.99%4.19%4.28%4.27%4.39%+40 bps
Efficiency Ratio78.72%79.63%80.99%76.82%76.87%-184 bps
Growth
Asset Growth (YoY)0.73%-0.27%-3.55%-2.74%-2.58%-331 bps
Loan Growth (YoY)-1.32%0.25%0.65%3.11%3.36%+467 bps
Share Growth (YoY)-0.27%-1.38%-6.76%-3.68%-3.99%-371 bps
Asset Quality
Delinquent Loans / Loans1.90%1.85%0.85%0.49%0.85%-106 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 Capital10.11%10.63%10.69%10.74%11.19%+108 bps
Net Worth / Assets10.11%10.63%10.69%10.74%11.19%+108 bps
Liquidity & Funding
Loans / Shares74.75%78.48%80.74%77.88%80.47%+572 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps