York, PA · Charter 24490
NCUA · 6 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
32
Asset Quality
76
Profitability
50
Liquidity
42
Efficiency
53
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.
York, PA · Charter 24490
NCUA · 6 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 | 1.39% | 1.47% | 1.11% | 1.23% | 1.26% | 1.28% | 0.98% | 1.07% | -16 bps | |
| Return on Equity | 12.37% | 12.77% | 10.02% | 10.93% | 11.08% | 11.33% | 8.50% | 9.03% | -190 bps | |
| Net Interest Margin | 3.59% | 3.54% | 3.28% | 3.38% | 3.34% | 3.23% | 3.18% | 3.34% | -4 bps | |
| Efficiency Ratio | 72.23% | 70.82% | 74.10% | 72.59% | 72.17% | 71.22% | 76.50% | 73.36% | +77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.04% | 7.16% | 10.54% | 11.40% | 11.75% | 13.85% | 7.37% | 5.49% | -591 bps | |
| Loan Growth (YoY) | 0.43% | -0.52% | 2.41% | 1.95% | 0.02% | 2.54% | 1.95% | 9.85% | +790 bps | |
| Share Growth (YoY) | 3.17% | 5.68% | 9.44% | 10.54% | 11.14% | 13.70% | 6.51% | 4.57% | -597 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.27% | 0.25% | 0.18% | 0.28% | 0.23% | 0.18% | 0.20% | +2 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.26% | 11.48% | 11.05% | 11.26% | 11.38% | 11.33% | 11.51% | 11.87% | +61 bps | |
| Net Worth / Assets | 11.26% | 11.48% | 11.05% | 11.26% | 11.38% | 11.33% | 11.51% | 11.87% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.84% | 67.36% | 63.75% | 63.43% | 61.95% | 60.75% | 61.02% | 66.63% | +320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
York, PA · Charter 24490 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 6 branches
Q2 2026
Return on Assets
1.07%
Rank 35 of 72
Net Interest Margin
3.34%
Rank 48 of 72
Efficiency Ratio
73.36%
Rank 35 of 72
Equity / Assets
11.87%
Rank 49 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.07% | 0.59% | 1.06% | 1.40% | Beats 51% | 35 / 72 | ||
| Return on Equity | 9.03% | 5.27% | 7.11% | 9.91% | Beats 65% | 25 / 72 | ||
| Net Interest Margin | 3.34% | 3.09% | 3.57% | 4.10% | Beats 33% | 48 / 72 | ||
| Efficiency Ratio | 73.36% | 64.37% | 73.67% | 81.63% | Beats 53% | 35 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.20% | 0.58% | 1.09% | Beats 76% | 18 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.87% | 10.74% | 12.96% | 16.84% | Beats 32% | 49 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.87% | 10.74% | 12.96% | 16.84% | Beats 32% | 49 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.63% | 34.39% | 52.54% | 65.98% | 76th pctl | 17 / 72 | ||
| Loans / Assets | 58.30% | 30.23% | 45.37% | 57.67% | 79th pctl | 15 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||