Leola, PA · Charter 60113
NCUA · 4 branches
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
64
Asset Quality
49
Profitability
83
Liquidity
97
Efficiency
68
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.
Leola, PA · Charter 60113
NCUA · 4 branches
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 | 1.94% | 2.02% | 1.11% | 1.76% | 2.37% | 2.30% | 1.66% | 1.71% | -6 bps | |
| Return on Equity | 14.97% | 15.68% | 8.56% | 13.15% | 16.54% | 16.01% | 11.39% | 11.46% | -169 bps | |
| Net Interest Margin | 4.14% | 4.12% | 4.11% | 4.17% | 4.24% | 4.24% | 4.10% | 4.10% | -6 bps | |
| Efficiency Ratio | 61.12% | 59.39% | 77.14% | 66.85% | 59.32% | 59.90% | 67.31% | 66.72% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.09% | -5.28% | -3.98% | 0.57% | 3.89% | 2.80% | 2.71% | 2.08% | +151 bps | |
| Loan Growth (YoY) | 21.10% | 16.23% | 18.07% | 27.24% | 24.02% | 28.73% | 28.17% | 18.18% | -906 bps | |
| Share Growth (YoY) | -9.95% | -7.59% | -5.94% | -1.17% | 1.72% | -0.08% | 0.12% | -0.31% | +86 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 0.69% | 0.50% | 0.62% | 0.95% | 0.90% | 0.36% | 0.61% | -2 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 | 12.97% | 12.89% | 13.03% | 13.42% | 14.32% | 14.34% | 14.62% | 14.90% | +148 bps | |
| Net Worth / Assets | 12.97% | 12.89% | 13.03% | 13.42% | 14.32% | 14.34% | 14.62% | 14.90% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.04% | 38.74% | 38.87% | 43.55% | 46.38% | 49.91% | 49.76% | 51.63% | +808 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Leola, PA · Charter 60113 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 4 branches
Q2 2026
Return on Assets
1.71%
Rank 8 of 72
Net Interest Margin
4.10%
Rank 18 of 72
Efficiency Ratio
66.69%
Rank 24 of 72
Equity / Assets
14.90%
Rank 26 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.71% | 0.59% | 1.06% | 1.40% | Beats 89% | 8 / 72 | ||
| Return on Equity | 11.46% | 5.27% | 7.11% | 9.91% | Beats 85% | 11 / 72 | ||
| Net Interest Margin | 4.10% | 3.09% | 3.57% | 4.10% | Beats 75% | 18 / 72 | ||
| Efficiency Ratio | 66.69% | 64.37% | 73.67% | 81.63% | Beats 68% | 24 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.61% | 0.20% | 0.58% | 1.09% | Beats 49% | 38 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.90% | 10.74% | 12.96% | 16.84% | Beats 64% | 26 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.90% | 10.74% | 12.96% | 16.84% | Beats 64% | 26 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.62% | 34.39% | 52.54% | 65.98% | 44th pctl | 40 / 72 | ||
| Loans / Assets | 43.83% | 30.23% | 45.37% | 57.67% | 47th pctl | 38 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||