Allentown, PA · Charter 6885
NCUA · 10 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
1
Asset Quality
22
Profitability
39
Liquidity
56
Efficiency
16
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.
Allentown, PA · Charter 6885
NCUA · 10 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 | -0.24% | -0.15% | 0.36% | 0.38% | 0.42% | 0.39% | 0.28% | 0.36% | -2 bps | |
| Return on Equity | -2.91% | -1.95% | 4.65% | 4.92% | 5.27% | 5.07% | 3.76% | 4.76% | -16 bps | |
| Net Interest Margin | 3.50% | 3.47% | 3.66% | 3.73% | 3.84% | 3.75% | 3.83% | 3.86% | +13 bps | |
| Efficiency Ratio | 91.40% | 89.17% | 79.54% | 79.97% | 79.54% | 80.42% | 81.67% | 80.36% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.47% | 7.44% | 7.94% | 9.02% | 6.69% | 8.11% | 8.01% | 8.01% | -101 bps | |
| Loan Growth (YoY) | 22.48% | 17.26% | 15.12% | 12.11% | 10.99% | 11.40% | 11.73% | 18.54% | +642 bps | |
| Share Growth (YoY) | 6.01% | 6.97% | 7.21% | 8.70% | 6.51% | 7.44% | 7.64% | 7.40% | -130 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.60% | 0.52% | 0.84% | 0.93% | 1.11% | 0.90% | 1.10% | +26 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 | 8.15% | 7.93% | 7.77% | 7.80% | 7.96% | 7.72% | 7.55% | 7.59% | -21 bps | |
| Net Worth / Assets | 8.15% | 7.93% | 7.77% | 7.80% | 7.96% | 7.72% | 7.55% | 7.59% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.10% | 69.43% | 67.94% | 70.66% | 74.09% | 71.99% | 70.52% | 77.99% | +733 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Allentown, PA · Charter 6885 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
Return on Assets
0.36%
Rank 377 of 435
Net Interest Margin
3.86%
Rank 82 of 435
Efficiency Ratio
80.36%
Rank 367 of 435
Equity / Assets
7.59%
Rank 431 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.36% | 0.55% | 0.81% | 1.14% | Beats 13% | 377 / 435 | ||
| Return on Equity | 4.76% | 5.12% | 7.41% | 9.70% | Beats 22% | 339 / 435 | ||
| Net Interest Margin | 3.86% | 3.01% | 3.39% | 3.75% | Beats 81% | 82 / 435 | ||
| Efficiency Ratio | 80.36% | 65.25% | 71.39% | 77.86% | Beats 16% | 367 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.10% | 0.45% | 0.69% | 1.05% | Beats 22% | 341 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.59% | 9.81% | 10.84% | 12.63% | Beats 1% | 431 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.59% | 9.81% | 10.84% | 12.63% | Beats 1% | 431 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.99% | 78.33% | 88.38% | 95.61% | 24th pctl | 331 / 435 | ||
| Loans / Assets | 72.55% | 67.69% | 74.58% | 80.80% | 41st pctl | 257 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||