Apci
Lehigh Valley, PA · Charter 9607 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
$678.2MAssets
$302.7MLoans
$615.7MShares
$61.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 87% of credit unions under $1B in assets in PA (rank 10 of 72).
- Widest gap: net interest margin trails 99% of credit unions under $1B in assets in PA (rank 71 of 72).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |