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Letter portraitLegal landscapeQuarterYTD

Crayola LLC Employees Credit Union

Easton, PA · Charter 24850

NCUA · 2 branches

Q2 2026

$8.3MAssets
$2.7MLoans
$6.5MShares
$1.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.31%, down 29 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 2.11% of loans (+211 bps YoY).
  • Capital: net worth / assets of 21.93%, up 118 bps from a year ago.
  • Funding: loans stand at 42.20% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.31%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+2 bps YoY

Efficiency Ratio (YTD, annualized)

91.16%+873 bps YoY

Net Worth / Assets

21.93%+118 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.05%1.86%0.44%0.60%0.63%0.61%-0.05%0.31%-29 bps
Return on Equity9.87%8.73%2.19%2.89%2.90%2.87%-0.26%1.42%-147 bps
Net Interest Margin4.18%4.05%2.83%2.98%3.03%2.92%2.58%3.00%+2 bps
Efficiency Ratio56.99%59.59%86.19%82.44%81.90%82.06%101.69%91.16%+873 bps
Growth
Asset Growth (YoY)-14.44%-12.21%-7.44%-4.50%-1.35%3.25%3.00%-3.72%+78 bps
Loan Growth (YoY)-2.91%-3.52%-1.01%-6.09%-12.88%-16.13%-11.45%-7.54%-145 bps
Share Growth (YoY)-19.26%-16.67%-10.60%-6.82%-2.68%3.31%3.14%-5.33%+149 bps
Asset Quality
Delinquent Loans / Loans0.01%2.14%0.00%0.00%0.00%2.24%2.10%2.11%+211 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.77%21.32%20.34%20.75%21.73%21.16%20.12%21.93%+118 bps
Net Worth / Assets20.77%21.32%20.34%20.75%21.73%21.16%20.12%21.93%+118 bps
Liquidity & Funding
Loans / Shares46.21%47.12%44.68%43.21%41.37%38.25%38.36%42.20%-101 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps