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 | |