PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Members 1st

Enola, PA · Charter 6694

NCUA · 60 branches

Q2 2026

$8.7BAssets
$7.0BLoans
$7.3BShares
$1.3BNet 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 2.38%, up 21 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.73% of loans (-17 bps YoY).
  • Capital: net worth / assets of 14.80%, up 157 bps from a year ago.
  • Funding: loans stand at 96.16% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.38%+21 bps YoY

Net Interest Margin (quarter, annualized)

4.24%+21 bps YoY

Efficiency Ratio (quarter, annualized)

53.93%+218 bps YoY

Net Worth / Assets

14.80%+157 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.17%2.23%2.17%2.23%2.38%+21 bps
Return on Equity16.38%16.09%15.24%15.56%16.08%-29 bps
Net Interest Margin4.03%4.16%4.19%4.20%4.24%+21 bps
Efficiency Ratio51.75%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 / Loans0.90%0.86%0.87%0.72%0.73%-17 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 Capital13.23%13.86%14.25%14.35%14.80%+157 bps
Net Worth / Assets13.23%13.86%14.25%14.35%14.80%+157 bps
Liquidity & Funding
Loans / Shares95.50%97.81%97.12%93.77%96.16%+65 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps