PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Apci

Lehigh Valley, PA · Charter 9607

NCUA · 1 branch

Q2 2026

$678.2MAssets
$302.7MLoans
$615.7MShares
$61.8MNet 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 0.52%, up 22 bps year over year; NIM at 2.03%.
  • Asset quality: problem loans at 0.09% of loans (-2 bps YoY).
  • Capital: net worth / assets of 9.11%, up 34 bps from a year ago.
  • Funding: loans stand at 49.16% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.52%+22 bps YoY

Net Interest Margin (quarter, annualized)

2.03%+25 bps YoY

Efficiency Ratio (quarter, annualized)

77.12%-756 bps YoY

Net Worth / Assets

9.11%+34 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.29%0.32%0.50%0.52%+22 bps
Return on Equity3.49%3.26%3.71%5.71%5.72%+224 bps
Net Interest Margin1.78%1.80%1.77%1.93%2.03%+25 bps
Efficiency Ratio84.68%85.76%83.75%77.25%77.12%-756 bps
Growth
Asset Growth (YoY)1.34%1.08%2.47%1.93%1.15%-19 bps
Loan Growth (YoY)2.88%1.61%1.81%3.34%6.26%+339 bps
Share Growth (YoY)0.19%0.12%1.40%1.35%0.71%+52 bps
Asset Quality
Delinquent Loans / Loans0.11%0.23%0.12%0.06%0.09%-2 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 Capital8.77%8.90%8.73%8.83%9.11%+34 bps
Net Worth / Assets8.77%8.90%8.73%8.83%9.11%+34 bps
Liquidity & Funding
Loans / Shares46.59%46.81%46.07%46.28%49.16%+257 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps