Enola, PA · Charter 6694
NCUA · 60 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
91
Asset Quality
46
Profitability
98
Liquidity
44
Efficiency
96
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.
Enola, PA · Charter 6694
NCUA · 60 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 | 2.17% | 2.23% | 2.17% | 2.23% | 2.38% | +21 bps | |
| Return on Equity | 16.38% | 16.09% | 15.24% | 15.56% | 16.08% | -29 bps | |
| Net Interest Margin | 4.03% | 4.16% | 4.19% | 4.20% | 4.24% | +21 bps | |
| Efficiency Ratio | 51.75% | 51.13% | 52.32% | 53.97% | 53.93% | +218 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.20% | 2.75% | 3.54% | 3.66% | 4.49% | -71 bps | |
| Loan Growth (YoY) | 5.63% | 5.32% | 3.88% | 2.64% | 3.02% | -261 bps | |
| Share Growth (YoY) | 6.00% | 2.77% | 1.07% | 1.48% | 2.32% | -368 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 0.86% | 0.87% | 0.72% | 0.73% | -17 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 | 13.23% | 13.86% | 14.25% | 14.35% | 14.80% | +157 bps | |
| Net Worth / Assets | 13.23% | 13.86% | 14.25% | 14.35% | 14.80% | +157 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.50% | 97.81% | 97.12% | 93.77% | 96.16% | +65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Enola, PA · Charter 6694 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 60 branches
Q2 2026
Return on Assets
2.38%
Rank 2 of 435
Net Interest Margin
4.24%
Rank 25 of 435
Efficiency Ratio
53.93%
Rank 18 of 435
Equity / Assets
14.80%
Rank 37 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.38% | 0.55% | 0.81% | 1.14% | Beats 100% | 2 / 435 | |
| Return on Equity | 16.08% | 5.12% | 7.41% | 9.70% | Beats 99% | 5 / 435 | |
| Net Interest Margin | 4.24% | 3.01% | 3.39% | 3.75% | Beats 94% | 25 / 435 | |
| Efficiency Ratio | 53.93% | 65.25% | 71.39% | 77.86% | Beats 96% | 18 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.73% | 0.45% | 0.69% | 1.05% | Beats 46% | 234 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.80% | 9.81% | 10.84% | 12.63% | Beats 91% | 37 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.80% | 9.81% | 10.84% | 12.63% | Beats 91% | 37 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.16% | 78.33% | 88.38% | 95.61% | 77th pctl | 102 / 435 | |
| Loans / Assets | 81.04% | 67.69% | 74.58% | 80.80% | 76th pctl | 103 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||