Harrisburg, PA · Charter 64131
NCUA · 26 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
66
Asset Quality
44
Profitability
93
Liquidity
81
Efficiency
98
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.
Harrisburg, PA · Charter 64131
NCUA · 26 branches
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 | 1.42% | 1.55% | 1.57% | 1.78% | 1.98% | +55 bps | |
| Return on Equity | 13.16% | 13.72% | 13.91% | 15.73% | 16.67% | +352 bps | |
| Net Interest Margin | 3.77% | 3.86% | 3.78% | 3.84% | 3.89% | +12 bps | |
| Efficiency Ratio | 53.65% | 53.19% | 53.81% | 50.64% | 49.27% | -439 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.46% | 5.30% | 6.70% | 6.75% | 7.15% | +169 bps | |
| Loan Growth (YoY) | 0.89% | 2.99% | 4.50% | 6.09% | 7.07% | +619 bps | |
| Share Growth (YoY) | 4.63% | 4.41% | 5.25% | 5.20% | 5.60% | +98 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.85% | 0.89% | 0.77% | 0.75% | -12 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.83% | 11.29% | 11.27% | 11.34% | 11.85% | +102 bps | |
| Net Worth / Assets | 10.83% | 11.29% | 11.27% | 11.34% | 11.85% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.85% | 85.34% | 84.02% | 81.82% | 84.00% | +115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Harrisburg, PA · Charter 64131 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 26 branches
Q2 2026
Return on Assets
1.98%
Rank 6 of 435
Net Interest Margin
3.89%
Rank 78 of 435
Efficiency Ratio
49.27%
Rank 9 of 435
Equity / Assets
11.85%
Rank 147 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.98% | 0.55% | 0.81% | 1.14% | Beats 99% | 6 / 435 | |
| Return on Equity | 16.67% | 5.12% | 7.41% | 9.70% | Beats 99% | 3 / 435 | |
| Net Interest Margin | 3.89% | 3.01% | 3.39% | 3.75% | Beats 82% | 78 / 435 | |
| Efficiency Ratio | 49.27% | 65.25% | 71.39% | 77.86% | Beats 98% | 9 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.75% | 0.45% | 0.69% | 1.05% | Beats 44% | 244 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.85% | 9.81% | 10.84% | 12.63% | Beats 66% | 147 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.85% | 9.81% | 10.84% | 12.63% | Beats 66% | 147 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.00% | 78.33% | 88.38% | 95.61% | 38th pctl | 270 / 435 | |
| Loans / Assets | 73.78% | 67.69% | 74.58% | 80.80% | 46th pctl | 233 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||