PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Susquehanna Valley

Camp Hill, PA · Charter 18242

NCUA · 1 branch

Q2 2026

$86.9MAssets
$44.8MLoans
$76.4MShares
$10.4MNet 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 1.84%, up 67 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 0.07% of loans (-22 bps YoY).
  • Capital: net worth / assets of 12.03%, up 147 bps from a year ago.
  • Funding: loans stand at 58.70% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.84%+67 bps YoY

Net Interest Margin (YTD, annualized)

4.37%+10 bps YoY

Efficiency Ratio (YTD, annualized)

62.85%-1,220 bps YoY

Net Worth / Assets

12.03%+147 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.75%1.55%1.72%1.84%+67 bps
Return on Equity11.07%15.60%13.49%14.88%15.32%+425 bps
Net Interest Margin4.27%4.70%4.36%4.33%4.37%+10 bps
Efficiency Ratio75.05%65.99%68.31%64.40%62.85%-1,220 bps
Growth
Asset Growth (YoY)-1.52%-1.60%-0.52%1.72%3.75%+527 bps
Loan Growth (YoY)-6.36%-6.70%-2.93%1.40%0.14%+649 bps
Share Growth (YoY)-2.74%-3.41%-2.38%-0.15%1.99%+473 bps
Asset Quality
Delinquent Loans / Loans0.29%0.25%0.06%0.05%0.07%-22 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 Capital10.56%11.21%11.51%11.58%12.03%+147 bps
Net Worth / Assets10.56%11.21%11.51%11.58%12.03%+147 bps
Liquidity & Funding
Loans / Shares59.79%60.05%60.26%59.95%58.70%-109 bps
Liquid Assets / Assets99.86%0.00%0.00%0.00%0.00%-9,986 bps