Lebanon, PA · Charter 19510
NCUA · 7 branches
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
14
Asset Quality
47
Profitability
85
Liquidity
0
Efficiency
65
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.
Lebanon, PA · Charter 19510
NCUA · 7 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.73% | 0.86% | 1.70% | 1.37% | +76 bps | |
| Return on Equity | 6.70% | 7.76% | 9.07% | 17.63% | 13.90% | +721 bps | |
| Net Interest Margin | 3.64% | 3.77% | 3.95% | 4.66% | 4.29% | +66 bps | |
| Efficiency Ratio | 73.79% | 72.06% | 69.57% | 67.39% | 67.62% | -616 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.22% | 5.17% | 7.45% | 5.82% | 5.45% | +123 bps | |
| Loan Growth (YoY) | 7.94% | 7.59% | 9.89% | 11.96% | 9.29% | +135 bps | |
| Share Growth (YoY) | 4.37% | 4.73% | 6.04% | 3.97% | 3.62% | -76 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 0.82% | 0.86% | 0.64% | 0.61% | -20 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.11% | 9.42% | 9.44% | 9.64% | 9.87% | +76 bps | |
| Net Worth / Assets | 9.11% | 9.42% | 9.44% | 9.64% | 9.87% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.19% | 85.15% | 85.61% | 85.14% | 86.69% | +450 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lebanon, PA · Charter 19510 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 7 branches
Q2 2026
Return on Assets
1.37%
Rank 20 of 72
Net Interest Margin
4.29%
Rank 8 of 72
Efficiency Ratio
67.63%
Rank 26 of 72
Equity / Assets
9.87%
Rank 62 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.37% | 0.59% | 1.06% | 1.40% | Beats 72% | 20 / 72 | |
| Return on Equity | 13.90% | 5.27% | 7.11% | 9.91% | Beats 94% | 4 / 72 | |
| Net Interest Margin | 4.29% | 3.09% | 3.57% | 4.10% | Beats 89% | 8 / 72 | |
| Efficiency Ratio | 67.63% | 64.37% | 73.67% | 81.63% | Beats 65% | 26 / 72 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.61% | 0.20% | 0.58% | 1.09% | Beats 47% | 39 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.87% | 10.74% | 12.96% | 16.84% | Beats 14% | 62 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.87% | 10.74% | 12.96% | 16.84% | Beats 14% | 62 / 72 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.69% | 34.39% | 52.54% | 65.98% | 96th pctl | 3 / 72 | |
| Loans / Assets | 79.07% | 30.23% | 45.37% | 57.67% | 97th pctl | 2 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||