Lehigh Valley, PA · Charter 9607
NCUA · 1 branch
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
10
Asset Quality
87
Profitability
18
Liquidity
86
Efficiency
40
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.
Lehigh Valley, PA · Charter 9607
NCUA · 1 branch
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 | -0.03% | 0.06% | 0.28% | 0.31% | 0.29% | 0.32% | 0.50% | 0.52% | +22 bps | |
| Return on Equity | -0.39% | 0.67% | 3.24% | 3.49% | 3.26% | 3.71% | 5.71% | 5.72% | +224 bps | |
| Net Interest Margin | 1.44% | 1.48% | 1.74% | 1.78% | 1.80% | 1.77% | 1.93% | 2.03% | +25 bps | |
| Efficiency Ratio | 102.23% | 97.26% | 86.04% | 84.68% | 85.76% | 83.75% | 77.25% | 77.12% | -756 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.33% | 0.33% | 0.51% | 1.34% | 1.08% | 2.47% | 1.93% | 1.15% | -19 bps | |
| Loan Growth (YoY) | -2.28% | -0.66% | 0.67% | 2.88% | 1.61% | 1.81% | 3.34% | 6.26% | +339 bps | |
| Share Growth (YoY) | -1.62% | -0.65% | -0.82% | 0.19% | 0.12% | 1.40% | 1.35% | 0.71% | +52 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.12% | 0.05% | 0.11% | 0.23% | 0.12% | 0.06% | 0.09% | -2 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 | 8.69% | 8.62% | 8.61% | 8.77% | 8.90% | 8.73% | 8.83% | 9.11% | +34 bps | |
| Net Worth / Assets | 8.69% | 8.62% | 8.61% | 8.77% | 8.90% | 8.73% | 8.83% | 9.11% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.13% | 45.89% | 45.39% | 46.59% | 46.81% | 46.07% | 46.28% | 49.16% | +257 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lehigh Valley, PA · Charter 9607 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
Return on Assets
0.52%
Rank 56 of 72
Net Interest Margin
2.03%
Rank 71 of 72
Efficiency Ratio
77.13%
Rank 44 of 72
Equity / Assets
9.11%
Rank 65 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.59% | 1.06% | 1.40% | Beats 22% | 56 / 72 | ||
| Return on Equity | 5.72% | 5.27% | 7.11% | 9.91% | Beats 31% | 50 / 72 | ||
| Net Interest Margin | 2.03% | 3.09% | 3.57% | 4.10% | Beats 1% | 71 / 72 | ||
| Efficiency Ratio | 77.13% | 64.37% | 73.67% | 81.63% | Beats 40% | 44 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.20% | 0.58% | 1.09% | Beats 87% | 10 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.11% | 10.74% | 12.96% | 16.84% | Beats 10% | 65 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.11% | 10.74% | 12.96% | 16.84% | Beats 10% | 65 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.16% | 34.39% | 52.54% | 65.98% | 40th pctl | 43 / 72 | ||
| Loans / Assets | 44.63% | 30.23% | 45.37% | 57.67% | 49th pctl | 37 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||