PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lehigh Valley Educators

Allentown, PA · Charter 64606

NCUA · 2 branches

Q2 2026

$485.2MAssets
$120.6MLoans
$420.5MShares
$75.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.99%, up 19 bps year over year; NIM at 2.24%.
  • Asset quality: problem loans at 1.09% of loans (-41 bps YoY).
  • Capital: net worth / assets of 15.46%, up 13 bps from a year ago.
  • Funding: loans stand at 28.69% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.99%+19 bps YoY

Net Interest Margin (quarter, annualized)

2.24%+12 bps YoY

Efficiency Ratio (quarter, annualized)

57.44%-488 bps YoY

Net Worth / Assets

15.46%+13 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.68%0.82%0.80%0.76%0.77%0.92%0.99%+19 bps
Return on Equity4.33%4.28%5.30%5.24%4.95%5.05%6.04%6.41%+117 bps
Net Interest Margin2.20%2.17%2.12%2.12%2.16%2.15%2.20%2.24%+12 bps
Efficiency Ratio68.59%68.59%61.13%62.32%61.91%63.11%59.70%57.44%-488 bps
Growth
Asset Growth (YoY)8.63%6.25%6.98%7.63%8.26%8.22%6.99%5.07%-256 bps
Loan Growth (YoY)1.42%0.35%0.39%-0.52%-0.30%0.25%0.63%3.28%+380 bps
Share Growth (YoY)5.52%5.83%5.38%6.42%7.72%6.34%6.17%4.24%-219 bps
Asset Quality
Delinquent Loans / Loans1.58%1.91%1.57%1.50%1.10%1.15%1.14%1.09%-41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.96%15.77%15.47%15.33%15.45%15.32%15.26%15.46%+13 bps
Net Worth / Assets15.96%15.77%15.47%15.33%15.45%15.32%15.26%15.46%+13 bps
Liquidity & Funding
Loans / Shares31.92%30.56%29.59%28.95%29.55%28.81%28.04%28.69%-27 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps