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Finanta

Lancaster, PA · Charter 24928

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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

83

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

Finanta

Lancaster, PA · Charter 24928

NCUA · 1 branch

Q2 2026

$50.9MAssets
$7.7MLoans
$28.4MShares
$6.3MNet Worth

Return on Assets (YTD, annualized)

4.75%+217 bps YoY

Net Interest Margin (YTD, annualized)

1.57%-160 bps YoY

Efficiency Ratio (YTD, annualized)

59.17%-1,267 bps YoY

Net Worth / Assets

12.44%-395 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets1.61%3.06%8.14%2.58%1.35%1.15%10.04%4.75%+217 bps
Net Interest Margin3.68%1.64%3.65%3.17%2.96%2.69%1.85%1.57%-160 bps
Asset Growth (YoY)68.48%282%189.35%206%203%36.81%55.12%62.99%-14,304 bps
Share Growth (YoY)216%166.89%63.28%110.13%105.56%135.06%180.85%149.79%+3,966 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital37.38%18.26%19.15%16.39%15.37%14.49%14.50%12.44%-395 bps
Loans / Shares50.65%50.90%43.72%30.17%28.19%28.28%26.41%27.29%-288 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

Finanta

Lancaster, PA · Charter 24928 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 1 branch

Q2 2026

$50.9MAssets
$7.7MLoans
$28.4MShares
$6.3MNet Worth

Return on Assets

4.75%

Rank 1 of 72

Net Interest Margin

1.57%

Rank 72 of 72

Efficiency Ratio

59.16%

Rank 13 of 72

Equity / Assets

12.43%

Rank 43 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets4.75%0.59%1.06%1.40%Beats 99%1 / 72
Net Interest Margin1.57%3.09%3.57%4.10%Beats 0%72 / 72
Nonperforming Loans / Loans1.64%0.20%0.58%1.09%Beats 17%61 / 72
Tier 1 Capital Ratio12.43%10.74%12.96%16.84%Beats 40%43 / 72
Equity / Assets12.43%10.74%12.96%16.84%Beats 40%43 / 72
Loans / Assets15.23%30.23%45.37%57.67%4th pctl69 / 72