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 | |