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 | |