Allentown, PA · Charter 16746
NCUA · 2 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
68
Asset Quality
100
Profitability
56
Liquidity
36
Efficiency
92
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.
Allentown, PA · Charter 16746
NCUA · 2 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 | 1.91% | 1.82% | 1.64% | 1.68% | 1.76% | 1.77% | 1.59% | 1.56% | -12 bps | |
| Return on Equity | 13.45% | 12.58% | 11.39% | 11.35% | 11.40% | 11.40% | 10.22% | 9.90% | -144 bps | |
| Net Interest Margin | 2.75% | 2.71% | 2.79% | 2.79% | 2.89% | 2.84% | 2.74% | 2.65% | -14 bps | |
| Efficiency Ratio | 40.32% | 42.63% | 49.49% | 48.03% | 47.38% | 46.62% | 50.16% | 49.15% | +112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.83% | 4.91% | 9.26% | 5.98% | 3.60% | 4.82% | 3.89% | 5.28% | -70 bps | |
| Loan Growth (YoY) | -6.63% | -6.88% | -5.43% | 1.23% | 4.75% | 6.32% | 11.01% | 5.37% | +414 bps | |
| Share Growth (YoY) | 5.58% | 3.47% | 8.55% | 4.83% | 2.12% | 3.44% | 2.42% | 4.09% | -74 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.19% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 14.21% | 14.42% | 14.38% | 14.77% | 15.43% | 15.53% | 15.58% | 15.71% | +94 bps | |
| Net Worth / Assets | 14.21% | 14.42% | 14.38% | 14.77% | 15.43% | 15.53% | 15.58% | 15.71% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.49% | 35.44% | 34.58% | 36.92% | 37.43% | 36.43% | 37.48% | 37.38% | +45 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Allentown, PA · Charter 16746 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.56% | 0.59% | 1.06% | 1.40% | Beats 82% | 13 / 72 | ||
| Return on Equity | 9.91% | 5.27% | 7.11% | 9.91% | Beats 74% | 19 / 72 | ||
| Net Interest Margin | 2.64% | 3.09% | 3.57% | 4.10% | Beats 11% | 64 / 72 | ||
| Efficiency Ratio | 49.22% | 64.37% | 73.67% | 81.63% | Beats 92% | 7 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.58% | 1.09% | Beats 100% | 7 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.71% | 10.74% | 12.96% | 16.84% | Beats 68% | 23 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.71% | 10.74% | 12.96% | 16.84% | Beats 68% | 23 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.38% | 34.39% | 52.54% | 65.98% | 29th pctl | 51 / 72 | ||
| Loans / Assets | 31.48% | 30.23% | 45.37% | 57.67% | 31st pctl | 50 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||