PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

People First

Allentown, PA · Charter 6885

NCUA · 10 branches

Q2 2026

$1.0BAssets
$755.1MLoans
$968.2MShares
$79.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.36%, down 2 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 1.10% of loans (+26 bps YoY).
  • Capital: net worth / assets of 7.59%, down 21 bps from a year ago.
  • Funding: loans stand at 77.99% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.36%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+13 bps YoY

Efficiency Ratio (YTD, annualized)

80.36%+39 bps YoY

Net Worth / Assets

7.59%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.42%0.39%0.28%0.36%-2 bps
Return on Equity4.92%5.27%5.07%3.76%4.76%-16 bps
Net Interest Margin3.73%3.84%3.75%3.83%3.86%+13 bps
Efficiency Ratio79.97%79.54%80.42%81.67%80.36%+39 bps
Growth
Asset Growth (YoY)9.02%6.69%8.11%8.01%8.01%-101 bps
Loan Growth (YoY)12.11%10.99%11.40%11.73%18.54%+642 bps
Share Growth (YoY)8.70%6.51%7.44%7.64%7.40%-130 bps
Asset Quality
Delinquent Loans / Loans0.84%0.93%1.11%0.90%1.10%+26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.80%7.96%7.72%7.55%7.59%-21 bps
Net Worth / Assets7.80%7.96%7.72%7.55%7.59%-21 bps
Liquidity & Funding
Loans / Shares70.66%74.09%71.99%70.52%77.99%+733 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps