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Hershey

Hummelstown, PA · Charter 6095

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in PA3

Basis

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.

Peer group

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.

Peer standing

Capital

11

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

21

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hershey

Hummelstown, PA · Charter 6095

NCUA · 3 branches

Q2 2026

$125.8MAssets
$105.4MLoans
$113.4MShares
$11.9MNet 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 0.64%, unchanged from a year ago; NIM at 4.07%.
  • Asset quality: problem loans at 0.58% of loans (-50 bps YoY).
  • Capital: net worth / assets of 9.42%, up 45 bps from a year ago.
  • Funding: loans stand at 92.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%0 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+46 bps YoY

Efficiency Ratio (YTD, annualized)

83.10%+254 bps YoY

Net Worth / Assets

9.42%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.70%0.75%0.69%0.64%0 bps
Return on Equity7.15%7.70%8.11%7.44%6.80%-34 bps
Net Interest Margin3.61%3.74%3.81%4.00%4.07%+46 bps
Efficiency Ratio80.56%79.53%79.42%80.91%83.10%+254 bps
Growth
Asset Growth (YoY)8.67%4.48%4.99%2.74%3.49%-518 bps
Loan Growth (YoY)11.94%2.18%4.68%2.80%1.22%-1,072 bps
Share Growth (YoY)7.24%3.48%3.68%2.11%3.17%-407 bps
Asset Quality
Delinquent Loans / Loans1.08%1.55%1.20%0.86%0.58%-50 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 Capital8.98%9.13%9.27%9.25%9.42%+45 bps
Net Worth / Assets8.98%9.13%9.27%9.25%9.42%+45 bps
Liquidity & Funding
Loans / Shares94.77%95.93%96.71%92.25%92.98%-180 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hershey

Hummelstown, PA · Charter 6095 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 3 branches

Q2 2026

$125.8MAssets
$105.4MLoans
$113.4MShares
$11.9MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 71% of credit unions under $1B in assets in PA (rank 21 of 72).
  • Widest gap: equity / assets trails 89% of credit unions under $1B in assets in PA (rank 64 of 72).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.64%

Rank 51 of 72

Net Interest Margin

4.07%

Rank 21 of 72

Efficiency Ratio

83.12%

Rank 58 of 72

Equity / Assets

9.42%

Rank 64 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.64%0.59%1.06%1.40%Beats 29%51 / 72
Return on Equity6.80%5.27%7.11%9.91%Beats 44%40 / 72
Net Interest Margin4.07%3.09%3.57%4.10%Beats 71%21 / 72
Efficiency Ratio83.12%64.37%73.67%81.63%Beats 21%58 / 72
Asset Quality
Nonperforming Loans / Loans0.58%0.20%0.58%1.09%Beats 50%37 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.42%10.74%12.96%16.84%Beats 11%64 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.42%10.74%12.96%16.84%Beats 11%64 / 72
Liquidity & Funding
Loans / Deposits92.98%34.39%52.54%65.98%99th pctl1 / 72
Loans / Assets83.80%30.23%45.37%57.67%99th pctl1 / 72
Brokered Deposits / Depositsn/aNot reported for this institution