Harrisburg, PA · Charter 68256
NCUA · 14 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 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
25
Asset Quality
53
Profitability
47
Liquidity
32
Efficiency
36
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 68256
NCUA · 14 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.34% | 0.60% | 0.58% | 0.74% | 0.56% | 0.89% | 0.95% | +36 bps | |
| Return on Equity | 2.78% | 3.40% | 6.00% | 5.70% | 6.85% | 5.39% | 8.52% | 8.83% | +313 bps | |
| Net Interest Margin | 3.05% | 3.08% | 2.83% | 3.08% | 3.25% | 3.21% | 3.06% | 3.27% | +20 bps | |
| Efficiency Ratio | 80.66% | 80.51% | 78.14% | 79.47% | 77.88% | 80.22% | 79.15% | 79.75% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.30% | 1.95% | 3.18% | 3.14% | 1.20% | 3.80% | 2.22% | 2.40% | -74 bps | |
| Loan Growth (YoY) | -5.35% | -6.32% | -5.76% | -4.02% | -1.75% | -0.04% | 1.22% | 2.08% | +610 bps | |
| Share Growth (YoY) | 0.00% | 8.72% | 10.46% | 11.70% | 6.30% | 2.62% | 1.23% | -0.98% | -1,268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.20% | 0.98% | 0.84% | 0.75% | 0.86% | 0.79% | 0.56% | -29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.19% | 10.14% | 10.01% | 10.26% | 10.73% | 10.30% | 10.39% | 10.74% | +48 bps | |
| Net Worth / Assets | 10.19% | 10.14% | 10.01% | 10.26% | 10.73% | 10.30% | 10.39% | 10.74% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.31% | 69.89% | 66.37% | 66.90% | 69.61% | 68.08% | 66.36% | 68.97% | +207 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Harrisburg, PA · Charter 68256 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 14 branches
Q2 2026
Return on Assets
0.95%
Rank 39 of 72
Net Interest Margin
3.27%
Rank 50 of 72
Efficiency Ratio
79.75%
Rank 47 of 72
Equity / Assets
10.74%
Rank 54 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.59% | 1.06% | 1.40% | Beats 46% | 39 / 72 | ||
| Return on Equity | 8.83% | 5.27% | 7.11% | 9.91% | Beats 63% | 27 / 72 | ||
| Net Interest Margin | 3.27% | 3.09% | 3.57% | 4.10% | Beats 31% | 50 / 72 | ||
| Efficiency Ratio | 79.75% | 64.37% | 73.67% | 81.63% | Beats 36% | 47 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.56% | 0.20% | 0.58% | 1.09% | Beats 53% | 35 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.74% | 10.74% | 12.96% | 16.84% | Beats 25% | 54 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.74% | 10.74% | 12.96% | 16.84% | Beats 25% | 54 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.97% | 34.39% | 52.54% | 65.98% | 83rd pctl | 12 / 72 | ||
| Loans / Assets | 62.24% | 30.23% | 45.37% | 57.67% | 85th pctl | 11 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||