Camp Hill, PA · Charter 18242
NCUA · 1 branch
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
35
Asset Quality
90
Profitability
93
Liquidity
74
Efficiency
81
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.
Camp Hill, PA · Charter 18242
NCUA · 1 branch
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 | 1.21% | 1.28% | 0.52% | 1.17% | 1.75% | 1.55% | 1.72% | 1.84% | +67 bps | |
| Return on Equity | 12.70% | 12.92% | 5.24% | 11.07% | 15.60% | 13.49% | 14.88% | 15.32% | +425 bps | |
| Net Interest Margin | 3.85% | 3.92% | 4.10% | 4.27% | 4.70% | 4.36% | 4.33% | 4.37% | +10 bps | |
| Efficiency Ratio | 71.53% | 70.55% | 87.17% | 75.05% | 65.99% | 68.31% | 64.40% | 62.85% | -1,220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.60% | -1.65% | -1.61% | -1.52% | -1.60% | -0.52% | 1.72% | 3.75% | +527 bps | |
| Loan Growth (YoY) | -4.97% | -4.71% | -5.67% | -6.36% | -6.70% | -2.93% | 1.40% | 0.14% | +649 bps | |
| Share Growth (YoY) | -3.75% | -3.07% | -2.67% | -2.74% | -3.41% | -2.38% | -0.15% | 1.99% | +473 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.45% | 0.06% | 0.29% | 0.25% | 0.06% | 0.05% | 0.07% | -22 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 | 9.56% | 9.91% | 9.95% | 10.56% | 11.21% | 11.51% | 11.58% | 12.03% | +147 bps | |
| Net Worth / Assets | 9.56% | 9.91% | 9.95% | 10.56% | 11.21% | 11.51% | 11.58% | 12.03% | +147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.17% | 60.61% | 59.03% | 59.79% | 60.05% | 60.26% | 59.95% | 58.70% | -109 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 99.86% | 0.00% | 0.00% | 0.00% | 0.00% | -9,986 bps | |
Camp Hill, PA · Charter 18242 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
Return on Assets
1.84%
Rank 5 of 72
Net Interest Margin
4.38%
Rank 7 of 72
Efficiency Ratio
62.82%
Rank 15 of 72
Equity / Assets
12.03%
Rank 47 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.84% | 0.59% | 1.06% | 1.40% | Beats 93% | 5 / 72 | ||
| Return on Equity | 15.31% | 5.27% | 7.11% | 9.91% | Beats 97% | 2 / 72 | ||
| Net Interest Margin | 4.38% | 3.09% | 3.57% | 4.10% | Beats 90% | 7 / 72 | ||
| Efficiency Ratio | 62.82% | 64.37% | 73.67% | 81.63% | Beats 81% | 15 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.20% | 0.58% | 1.09% | Beats 90% | 8 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.03% | 10.74% | 12.96% | 16.84% | Beats 35% | 47 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.03% | 10.74% | 12.96% | 16.84% | Beats 35% | 47 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.70% | 34.39% | 52.54% | 65.98% | 63rd pctl | 27 / 72 | ||
| Loans / Assets | 51.62% | 30.23% | 45.37% | 57.67% | 67th pctl | 24 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||