Allentown, PA · Charter 23725
NCUA · 2 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
92
Asset Quality
100
Profitability
72
Liquidity
0
Efficiency
100
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.
Allentown, PA · Charter 23725
NCUA · 2 branches
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 | 1.88% | 1.98% | 1.77% | 2.64% | 2.91% | 3.13% | 2.35% | 2.31% | -33 bps | |
| Return on Equity | 10.52% | 9.81% | 8.99% | 12.67% | 13.78% | 12.79% | 10.29% | 9.21% | -346 bps | |
| Net Interest Margin | 3.14% | 3.55% | 3.58% | 3.79% | 4.13% | 4.52% | 3.43% | 3.57% | -22 bps | |
| Efficiency Ratio | 35.84% | 35.45% | 51.99% | 31.53% | 30.51% | 31.11% | 31.62% | 35.22% | +369 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.97% | -3.60% | -4.46% | 0.57% | -3.47% | -5.54% | -0.84% | -6.64% | -721 bps | |
| Loan Growth (YoY) | -18.91% | -31.91% | -33.64% | -24.68% | -21.25% | -24.54% | -25.13% | -39.03% | -1,435 bps | |
| Share Growth (YoY) | -13.54% | -6.67% | -7.51% | -2.14% | -7.25% | -10.64% | -4.74% | -11.70% | -955 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.44% | 1.32% | 1.49% | 1.40% | 1.51% | 1.75% | 1.98% | 2.30% | +90 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.88% | 20.15% | 19.69% | 20.83% | 21.10% | 24.46% | 22.84% | 25.11% | +429 bps | |
| Net Worth / Assets | 17.88% | 20.15% | 19.69% | 20.83% | 21.10% | 24.46% | 22.84% | 25.11% | +429 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.78% | 30.30% | 25.63% | 27.94% | 25.28% | 25.59% | 20.15% | 19.29% | -865 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Allentown, PA · Charter 23725 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
Return on Assets
2.28%
Rank 3 of 72
Net Interest Margin
3.62%
Rank 33 of 72
Efficiency Ratio
34.29%
Rank 1 of 72
Equity / Assets
25.13%
Rank 6 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.28% | 0.59% | 1.06% | 1.40% | Beats 96% | 3 / 72 | ||
| Return on Equity | 9.05% | 5.27% | 7.11% | 9.91% | Beats 67% | 24 / 72 | ||
| Net Interest Margin | 3.62% | 3.09% | 3.57% | 4.10% | Beats 54% | 33 / 72 | ||
| Efficiency Ratio | 34.29% | 64.37% | 73.67% | 81.63% | Beats 100% | 1 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.58% | 1.09% | Beats 100% | 7 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.13% | 10.74% | 12.96% | 16.84% | Beats 92% | 6 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 25.13% | 10.74% | 12.96% | 16.84% | Beats 92% | 6 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 19.27% | 34.39% | 52.54% | 65.98% | 1st pctl | 71 / 72 | ||
| Loans / Assets | 14.43% | 30.23% | 45.37% | 57.67% | 1st pctl | 71 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||