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
Executive Summary
- Strongest standing: return on assets outperforms 99% of credit unions under $1B in assets in PA (rank 1 of 72).
- Widest gap: net interest margin trails 100% of credit unions under $1B in assets in PA (rank 72 of 72).
- Overall: at or above the peer median on 3 of 7 directional measures.
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 4.75% | 0.59% | 1.06% | 1.40% | Beats 99% | 1 / 72 | | |
| Return on Equity | 38.24% | 5.27% | 7.11% | 9.91% | Beats 99% | 1 / 72 | | |
| Net Interest Margin | 1.57% | 3.09% | 3.57% | 4.10% | Beats 0% | 72 / 72 | | |
| Efficiency Ratio | 59.16% | 64.37% | 73.67% | 81.63% | Beats 83% | 13 / 72 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.64% | 0.20% | 0.58% | 1.09% | Beats 17% | 61 / 72 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.43% | 10.74% | 12.96% | 16.84% | Beats 40% | 43 / 72 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.43% | 10.74% | 12.96% | 16.84% | Beats 40% | 43 / 72 | | |
| Liquidity & Funding |
| Loans / Deposits | 27.29% | 34.39% | 52.54% | 65.98% | 6th pctl | 68 / 72 | | |
| Loans / Assets | 15.23% | 30.23% | 45.37% | 57.67% | 4th pctl | 69 / 72 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |