Hamburg, PA · Charter 62656
NCUA · 1 branch
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
99
Asset Quality
100
Profitability
10
Liquidity
32
Efficiency
11
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.
Hamburg, PA · Charter 62656
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.31% | 0.28% | 0.32% | 0.37% | +15 bps | |
| Return on Equity | 0.39% | 0.51% | 0.48% | 0.53% | 0.61% | +22 bps | |
| Net Interest Margin | 2.54% | 2.67% | 2.64% | 2.71% | 2.70% | +17 bps | |
| Efficiency Ratio | 91.17% | 88.56% | 89.21% | 88.20% | 86.24% | -493 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.93% | -6.96% | -3.55% | -4.16% | -4.87% | +6 bps | |
| Loan Growth (YoY) | 62.64% | 37.96% | 6.55% | -2.87% | -16.49% | -7,913 bps | |
| Share Growth (YoY) | -11.70% | -16.27% | -8.99% | -10.68% | -12.37% | -67 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.60% | 4.86% | 5.26% | 5.59% | 5.51% | +91 bps | |
| Capital | |||||||
| Risk-Based Capital | 57.78% | 59.40% | 59.60% | 60.39% | 61.10% | +332 bps | |
| Net Worth / Assets | 57.78% | 59.40% | 59.60% | 60.39% | 61.10% | +332 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.29% | 38.72% | 36.19% | 35.07% | 36.49% | -180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hamburg, PA · Charter 62656 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
Return on Assets
0.36%
Rank 63 of 72
Net Interest Margin
2.75%
Rank 62 of 72
Efficiency Ratio
86.96%
Rank 65 of 72
Equity / Assets
61.07%
Rank 1 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.59% | 1.06% | 1.40% | Beats 13% | 63 / 72 | |
| Return on Equity | 0.59% | 5.27% | 7.11% | 9.91% | Beats 3% | 70 / 72 | |
| Net Interest Margin | 2.75% | 3.09% | 3.57% | 4.10% | Beats 14% | 62 / 72 | |
| Efficiency Ratio | 86.96% | 64.37% | 73.67% | 81.63% | Beats 11% | 65 / 72 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.58% | 1.09% | Beats 100% | 7 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 61.07% | 10.74% | 12.96% | 16.84% | Beats 99% | 1 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 61.07% | 10.74% | 12.96% | 16.84% | Beats 99% | 1 / 72 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 36.42% | 34.39% | 52.54% | 65.98% | 26th pctl | 53 / 72 | |
| Loans / Assets | 14.09% | 30.23% | 45.37% | 57.67% | 0th pctl | 72 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||