PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

White Rose

York, PA · Charter 68296

NCUA · 6 branches

Q2 2026

$115.5MAssets
$55.6MLoans
$104.3MShares
$10.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.51%, up 3 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.35% of loans (-18 bps YoY).
  • Capital: net worth / assets of 8.91%, up 56 bps from a year ago.
  • Funding: loans stand at 53.26% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.51%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+22 bps YoY

Efficiency Ratio (YTD, annualized)

86.42%+13 bps YoY

Net Worth / Assets

8.91%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.14%0.02%0.48%0.48%0.39%0.51%0.27%0.51%+3 bps
Return on Equity-1.64%0.20%5.98%5.75%4.61%5.88%3.17%5.70%-5 bps
Net Interest Margin3.68%3.69%3.84%4.01%4.15%4.16%4.17%4.23%+22 bps
Efficiency Ratio96.79%93.68%89.20%86.29%86.34%84.19%88.95%86.42%+13 bps
Growth
Asset Growth (YoY)0.14%2.56%3.19%3.40%2.73%0.86%-1.82%-0.76%-416 bps
Loan Growth (YoY)-5.61%-9.88%-11.62%-14.80%-14.13%-13.52%-15.23%-14.98%-18 bps
Share Growth (YoY)0.58%2.85%3.17%3.25%2.70%0.46%-2.03%-1.32%-457 bps
Asset Quality
Delinquent Loans / Loans0.66%0.60%0.21%0.53%0.48%0.57%0.52%0.35%-18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.35%8.26%8.09%8.35%8.51%8.68%8.66%8.91%+56 bps
Net Worth / Assets8.35%8.26%8.09%8.35%8.51%8.68%8.66%8.91%+56 bps
Liquidity & Funding
Loans / Shares73.19%68.39%63.11%61.82%61.20%58.87%54.60%53.26%-856 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps