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 | |