PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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