PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lancaster Red Rose

Leola, PA · Charter 60113

NCUA · 4 branches

Q2 2026

$54.8MAssets
$24.0MLoans
$46.5MShares
$8.2MNet 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 1.71%, down 6 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.61% of loans (-2 bps YoY).
  • Capital: net worth / assets of 14.90%, up 148 bps from a year ago.
  • Funding: loans stand at 51.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.71%-6 bps YoY

Net Interest Margin (YTD, annualized)

4.10%-6 bps YoY

Efficiency Ratio (YTD, annualized)

66.72%-13 bps YoY

Net Worth / Assets

14.90%+148 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.76%2.37%2.30%1.66%1.71%-6 bps
Return on Equity13.15%16.54%16.01%11.39%11.46%-169 bps
Net Interest Margin4.17%4.24%4.24%4.10%4.10%-6 bps
Efficiency Ratio66.85%59.32%59.90%67.31%66.72%-13 bps
Growth
Asset Growth (YoY)0.57%3.89%2.80%2.71%2.08%+151 bps
Loan Growth (YoY)27.24%24.02%28.73%28.17%18.18%-906 bps
Share Growth (YoY)-1.17%1.72%-0.08%0.12%-0.31%+86 bps
Asset Quality
Delinquent Loans / Loans0.62%0.95%0.90%0.36%0.61%-2 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 Capital13.42%14.32%14.34%14.62%14.90%+148 bps
Net Worth / Assets13.42%14.32%14.34%14.62%14.90%+148 bps
Liquidity & Funding
Loans / Shares43.55%46.38%49.91%49.76%51.63%+808 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps