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 | |