York, PA · Charter 68296
NCUA · 6 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
7
Asset Quality
67
Profitability
45
Liquidity
97
Efficiency
12
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.
York, PA · Charter 68296
NCUA · 6 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 | 0.48% | 0.39% | 0.51% | 0.27% | 0.51% | +3 bps | |
| Return on Equity | 5.75% | 4.61% | 5.88% | 3.17% | 5.70% | -5 bps | |
| Net Interest Margin | 4.01% | 4.15% | 4.16% | 4.17% | 4.23% | +22 bps | |
| Efficiency Ratio | 86.29% | 86.34% | 84.19% | 88.95% | 86.42% | +13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.40% | 2.73% | 0.86% | -1.82% | -0.76% | -416 bps | |
| Loan Growth (YoY) | -14.80% | -14.13% | -13.52% | -15.23% | -14.98% | -18 bps | |
| Share Growth (YoY) | 3.25% | 2.70% | 0.46% | -2.03% | -1.32% | -457 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.48% | 0.57% | 0.52% | 0.35% | -18 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 | 8.35% | 8.51% | 8.68% | 8.66% | 8.91% | +56 bps | |
| Net Worth / Assets | 8.35% | 8.51% | 8.68% | 8.66% | 8.91% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.82% | 61.20% | 58.87% | 54.60% | 53.26% | -856 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
York, PA · Charter 68296 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 6 branches
Q2 2026
Return on Assets
0.51%
Rank 57 of 72
Net Interest Margin
4.23%
Rank 11 of 72
Efficiency Ratio
86.41%
Rank 64 of 72
Equity / Assets
8.91%
Rank 67 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.59% | 1.06% | 1.40% | Beats 21% | 57 / 72 | |
| Return on Equity | 5.70% | 5.27% | 7.11% | 9.91% | Beats 29% | 51 / 72 | |
| Net Interest Margin | 4.23% | 3.09% | 3.57% | 4.10% | Beats 85% | 11 / 72 | |
| Efficiency Ratio | 86.41% | 64.37% | 73.67% | 81.63% | Beats 12% | 64 / 72 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.35% | 0.20% | 0.58% | 1.09% | Beats 67% | 25 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.91% | 10.74% | 12.96% | 16.84% | Beats 7% | 67 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.91% | 10.74% | 12.96% | 16.84% | Beats 7% | 67 / 72 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.26% | 34.39% | 52.54% | 65.98% | 54th pctl | 33 / 72 | |
| Loans / Assets | 48.13% | 30.23% | 45.37% | 57.67% | 54th pctl | 33 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||