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 | |