PackageTrendsPeer
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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