PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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