Leola, PA · Charter 60113
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |