PackageTrendsPeer
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Finanta

Lancaster, PA · Charter 24928

NCUA · 1 branch

Q2 2026

$50.9MAssets
$7.7MLoans
$28.4MShares
$6.3MNet 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 4.75%, up 217 bps year over year; NIM at 1.57%.
  • Asset quality: problem loans at 1.64% of loans (+31 bps YoY).
  • Capital: net worth / assets of 12.44%, down 395 bps from a year ago.
  • Funding: loans stand at 27.29% of shares as of Q2 2026.

Financial Results

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.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.58%1.35%1.15%10.04%4.75%+217 bps
Return on Equity15.77%8.76%7.93%69.26%38.23%+2,247 bps
Net Interest Margin3.17%2.96%2.69%1.85%1.57%-160 bps
Efficiency Ratio71.83%81.23%81.79%46.38%59.17%-1,267 bps
Growth
Asset Growth (YoY)206%203%36.81%55.12%62.99%-14,304 bps
Loan Growth (YoY)34.10%14.41%30.59%69.67%125.92%+9,183 bps
Share Growth (YoY)110.13%105.56%135.06%180.85%149.79%+3,966 bps
Asset Quality
Delinquent Loans / Loans1.33%1.33%0.57%1.26%1.64%+31 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 Capital16.39%15.37%14.49%14.50%12.44%-395 bps
Net Worth / Assets16.39%15.37%14.49%14.50%12.44%-395 bps
Liquidity & Funding
Loans / Shares30.17%28.19%28.28%26.41%27.29%-288 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps