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Northampton Area School Dist. Emps

Northampton, PA · Charter 24911

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in PA3

Basis

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.

Peer group

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.

Peer standing

Capital

83

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

99

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northampton Area School Dist. Emps

Northampton, PA · Charter 24911

NCUA · 1 branch

Q2 2026

$11.7MAssets
$4.8MLoans
$9.2MShares
$2.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.47%, down 3 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.09% of loans (+9 bps YoY).
  • Capital: net worth / assets of 20.91%, up 262 bps from a year ago.
  • Funding: loans stand at 51.77% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.47%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.38%+5 bps YoY

Efficiency Ratio (YTD, annualized)

38.59%+262 bps YoY

Net Worth / Assets

20.91%+262 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.32%1.32%1.42%1.47%-3 bps
Return on Equity8.19%6.91%6.82%7.17%7.02%-117 bps
Net Interest Margin2.32%2.44%2.43%2.32%2.38%+5 bps
Efficiency Ratio35.97%46.25%46.15%39.09%38.59%+262 bps
Growth
Asset Growth (YoY)8.90%5.96%1.85%-2.78%-6.71%-1,561 bps
Loan Growth (YoY)-5.63%-1.50%-2.11%-2.59%-3.03%+260 bps
Share Growth (YoY)9.07%5.50%0.38%-5.04%-9.79%-1,886 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.09%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.29%19.10%19.29%19.88%20.91%+262 bps
Net Worth / Assets18.29%19.10%19.29%19.88%20.91%+262 bps
Liquidity & Funding
Loans / Shares48.17%52.10%49.77%49.50%51.77%+361 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Northampton Area School Dist. Emps

Northampton, PA · Charter 24911 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 1 branch

Q2 2026

$11.7MAssets
$4.8MLoans
$9.2MShares
$2.5MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 99% of credit unions under $1B in assets in PA (rank 2 of 72).
  • Widest gap: net interest margin trails 92% of credit unions under $1B in assets in PA (rank 66 of 72).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.47%

Rank 16 of 72

Net Interest Margin

2.39%

Rank 66 of 72

Efficiency Ratio

38.30%

Rank 2 of 72

Equity / Assets

20.92%

Rank 12 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.47%0.59%1.06%1.40%Beats 78%16 / 72
Return on Equity7.02%5.27%7.11%9.91%Beats 49%37 / 72
Net Interest Margin2.39%3.09%3.57%4.10%Beats 8%66 / 72
Efficiency Ratio38.30%64.37%73.67%81.63%Beats 99%2 / 72
Asset Quality
Nonperforming Loans / Loans0.10%0.20%0.58%1.09%Beats 83%13 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio20.92%10.74%12.96%16.84%Beats 83%12 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets20.92%10.74%12.96%16.84%Beats 83%12 / 72
Liquidity & Funding
Loans / Deposits51.77%34.39%52.54%65.98%46th pctl39 / 72
Loans / Assets40.87%30.23%45.37%57.67%39th pctl44 / 72
Brokered Deposits / Depositsn/aNot reported for this institution