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York Educational

York, PA · Charter 19429

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in PA3

Basis

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.

Peer group

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.

Peer standing

Capital

21

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

32

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

York Educational

York, PA · Charter 19429

NCUA · 3 branches

Q2 2026

$43.5MAssets
$20.8MLoans
$38.7MShares
$4.6MNet 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 0.56%, down 45 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.16% of loans (+13 bps YoY).
  • Capital: net worth / assets of 10.65%, up 99 bps from a year ago.
  • Funding: loans stand at 53.86% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.56%-45 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+81 bps YoY

Efficiency Ratio (YTD, annualized)

80.29%+1,424 bps YoY

Net Worth / Assets

10.65%+99 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.00%0.89%0.43%0.56%-45 bps
Return on Equity10.47%9.86%8.81%4.31%5.27%-519 bps
Net Interest Margin2.93%3.09%3.05%3.32%3.74%+81 bps
Efficiency Ratio66.05%70.51%74.43%86.90%80.29%+1,424 bps
Growth
Asset Growth (YoY)4.19%6.14%5.98%6.72%-3.21%-740 bps
Loan Growth (YoY)18.23%14.78%17.33%16.41%12.19%-605 bps
Share Growth (YoY)4.35%8.10%7.70%8.98%-2.48%-683 bps
Asset Quality
Delinquent Loans / Loans0.03%0.02%0.13%0.12%0.16%+13 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 Capital9.66%10.09%10.10%9.91%10.65%+99 bps
Net Worth / Assets9.66%10.09%10.10%9.91%10.65%+99 bps
Liquidity & Funding
Loans / Shares46.81%48.16%49.40%49.99%53.86%+704 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

York Educational

York, PA · Charter 19429 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 3 branches

Q2 2026

$43.5MAssets
$20.8MLoans
$38.7MShares
$4.6MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 78% of credit unions under $1B in assets in PA (rank 17 of 72).
  • Widest gap: equity / assets trails 79% of credit unions under $1B in assets in PA (rank 57 of 72).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.56%

Rank 55 of 72

Net Interest Margin

3.74%

Rank 27 of 72

Efficiency Ratio

80.28%

Rank 50 of 72

Equity / Assets

10.65%

Rank 57 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.56%0.59%1.06%1.40%Beats 24%55 / 72
Return on Equity5.27%5.27%7.11%9.91%Beats 25%54 / 72
Net Interest Margin3.74%3.09%3.57%4.10%Beats 63%27 / 72
Efficiency Ratio80.28%64.37%73.67%81.63%Beats 32%50 / 72
Asset Quality
Nonperforming Loans / Loans0.16%0.20%0.58%1.09%Beats 78%17 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.65%10.74%12.96%16.84%Beats 21%57 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.65%10.74%12.96%16.84%Beats 21%57 / 72
Liquidity & Funding
Loans / Deposits53.86%34.39%52.54%65.98%56th pctl32 / 72
Loans / Assets47.93%30.23%45.37%57.67%53rd pctl34 / 72
Brokered Deposits / Depositsn/aNot reported for this institution