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Lehigh County Employees

Allentown, PA · Charter 16746

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in PA3

Basis

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.

Peer group

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.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

92

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lehigh County Employees

Allentown, PA · Charter 16746

NCUA · 2 branches

Q2 2026

$33.1MAssets
$10.4MLoans
$27.9MShares
$5.2MNet 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 1.56%, down 12 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.71%, up 94 bps from a year ago.
  • Funding: loans stand at 37.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.56%-12 bps YoY

Net Interest Margin (YTD, annualized)

2.65%-14 bps YoY

Efficiency Ratio (YTD, annualized)

49.15%+112 bps YoY

Net Worth / Assets

15.71%+94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.76%1.77%1.59%1.56%-12 bps
Return on Equity11.35%11.40%11.40%10.22%9.90%-144 bps
Net Interest Margin2.79%2.89%2.84%2.74%2.65%-14 bps
Efficiency Ratio48.03%47.38%46.62%50.16%49.15%+112 bps
Growth
Asset Growth (YoY)5.98%3.60%4.82%3.89%5.28%-70 bps
Loan Growth (YoY)1.23%4.75%6.32%11.01%5.37%+414 bps
Share Growth (YoY)4.83%2.12%3.44%2.42%4.09%-74 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 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 Capital14.77%15.43%15.53%15.58%15.71%+94 bps
Net Worth / Assets14.77%15.43%15.53%15.58%15.71%+94 bps
Liquidity & Funding
Loans / Shares36.92%37.43%36.43%37.48%37.38%+45 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lehigh County Employees

Allentown, PA · Charter 16746 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 2 branches

Q2 2026

$33.1MAssets
$10.4MLoans
$27.9MShares
$5.2MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in PA (rank 7 of 72).
  • Widest gap: net interest margin trails 89% of credit unions under $1B in assets in PA (rank 64 of 72).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.56%

Rank 13 of 72

Net Interest Margin

2.64%

Rank 64 of 72

Efficiency Ratio

49.22%

Rank 7 of 72

Equity / Assets

15.71%

Rank 23 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.56%0.59%1.06%1.40%Beats 82%13 / 72
Return on Equity9.91%5.27%7.11%9.91%Beats 74%19 / 72
Net Interest Margin2.64%3.09%3.57%4.10%Beats 11%64 / 72
Efficiency Ratio49.22%64.37%73.67%81.63%Beats 92%7 / 72
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.58%1.09%Beats 100%7 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.71%10.74%12.96%16.84%Beats 68%23 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.71%10.74%12.96%16.84%Beats 68%23 / 72
Liquidity & Funding
Loans / Deposits37.38%34.39%52.54%65.98%29th pctl51 / 72
Loans / Assets31.48%30.23%45.37%57.67%31st pctl50 / 72
Brokered Deposits / Depositsn/aNot reported for this institution