Lancaster, PA · Charter 2834
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
44
Asset Quality
79
Profitability
16
Liquidity
14
Efficiency
19
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.
Lancaster, PA · Charter 2834
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.00% | 0.06% | -0.02% | 0.19% | 0.24% | 0.40% | 0.41% | +43 bps | |
| Return on Equity | 0.01% | -0.02% | 0.51% | -0.15% | 1.49% | 2.02% | 3.32% | 3.31% | +346 bps | |
| Net Interest Margin | 2.23% | 2.30% | 2.31% | 2.43% | 2.59% | 2.57% | 2.79% | 2.98% | +55 bps | |
| Efficiency Ratio | 100.43% | 100.45% | 96.26% | 95.64% | 89.04% | 88.20% | 86.67% | 83.34% | -1,230 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.72% | -1.63% | -1.48% | 2.38% | 0.82% | 7.76% | 8.18% | 3.07% | +69 bps | |
| Loan Growth (YoY) | 3.58% | 1.89% | 2.52% | 1.68% | 4.28% | 1.14% | 3.03% | 0.82% | -85 bps | |
| Share Growth (YoY) | -1.72% | -1.69% | -1.47% | 2.98% | 1.01% | 8.79% | 9.12% | 3.00% | +2 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.00% | 0.01% | 0.00% | 0.13% | 0.38% | 0.15% | 0.15% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.52% | 12.75% | 12.56% | 12.39% | 12.56% | 12.08% | 11.93% | 12.49% | +9 bps | |
| Net Worth / Assets | 12.52% | 12.75% | 12.56% | 12.39% | 12.56% | 12.08% | 11.93% | 12.49% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.69% | 75.22% | 75.12% | 75.07% | 77.11% | 69.93% | 70.93% | 73.48% | -159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lancaster, PA · Charter 2834 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
Return on Assets
0.42%
Rank 62 of 72
Net Interest Margin
2.98%
Rank 60 of 72
Efficiency Ratio
83.45%
Rank 59 of 72
Equity / Assets
12.49%
Rank 40 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.42% | 0.59% | 1.06% | 1.40% | Beats 14% | 62 / 72 | ||
| Return on Equity | 3.33% | 5.27% | 7.11% | 9.91% | Beats 17% | 60 / 72 | ||
| Net Interest Margin | 2.98% | 3.09% | 3.57% | 4.10% | Beats 17% | 60 / 72 | ||
| Efficiency Ratio | 83.45% | 64.37% | 73.67% | 81.63% | Beats 19% | 59 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.20% | 0.58% | 1.09% | Beats 79% | 16 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.49% | 10.74% | 12.96% | 16.84% | Beats 44% | 40 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.49% | 10.74% | 12.96% | 16.84% | Beats 44% | 40 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.48% | 34.39% | 52.54% | 65.98% | 86th pctl | 10 / 72 | ||
| Loans / Assets | 64.21% | 30.23% | 45.37% | 57.67% | 86th pctl | 10 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||