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 | |