PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Penlanco

Lancaster, PA · Charter 2834

NCUA · 1 branch

Q2 2026

$26.9MAssets
$17.3MLoans
$23.5MShares
$3.4MNet 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 0.41%, up 43 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.15% of loans (+15 bps YoY).
  • Capital: net worth / assets of 12.49%, up 9 bps from a year ago.
  • Funding: loans stand at 73.48% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.41%+43 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+55 bps YoY

Efficiency Ratio (YTD, annualized)

83.34%-1,230 bps YoY

Net Worth / Assets

12.49%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.02%0.19%0.24%0.40%0.41%+43 bps
Return on Equity-0.15%1.49%2.02%3.32%3.31%+346 bps
Net Interest Margin2.43%2.59%2.57%2.79%2.98%+55 bps
Efficiency Ratio95.64%89.04%88.20%86.67%83.34%-1,230 bps
Growth
Asset Growth (YoY)2.38%0.82%7.76%8.18%3.07%+69 bps
Loan Growth (YoY)1.68%4.28%1.14%3.03%0.82%-85 bps
Share Growth (YoY)2.98%1.01%8.79%9.12%3.00%+2 bps
Asset Quality
Delinquent Loans / Loans0.00%0.13%0.38%0.15%0.15%+15 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 Capital12.39%12.56%12.08%11.93%12.49%+9 bps
Net Worth / Assets12.39%12.56%12.08%11.93%12.49%+9 bps
Liquidity & Funding
Loans / Shares75.07%77.11%69.93%70.93%73.48%-159 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps