Williamsport, PA · Charter 10687
NCUA · 7 branches
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
8
Asset Quality
4
Profitability
25
Liquidity
40
Efficiency
3
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.
Williamsport, PA · Charter 10687
NCUA · 7 branches
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 | -0.12% | -0.62% | 0.99% | 0.79% | 0.53% | 0.33% | -0.22% | -0.22% | -100 bps | |
| Return on Equity | -1.23% | -6.69% | 10.94% | 8.45% | 5.76% | 3.63% | -2.47% | -2.41% | -1,086 bps | |
| Net Interest Margin | 3.69% | 3.73% | 3.92% | 4.00% | 4.08% | 4.17% | 4.04% | 4.07% | +7 bps | |
| Efficiency Ratio | 97.38% | 105.61% | 86.85% | 87.20% | 89.02% | 89.55% | 95.60% | 95.04% | +783 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.14% | 4.14% | 2.28% | 1.09% | 3.40% | 4.00% | 2.48% | 3.88% | +279 bps | |
| Loan Growth (YoY) | 5.06% | 7.40% | 12.01% | 10.72% | 5.91% | -0.38% | -7.20% | -9.91% | -2,064 bps | |
| Share Growth (YoY) | 6.29% | 5.67% | 3.48% | 2.20% | 3.47% | 3.77% | 2.88% | 2.67% | +47 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 1.19% | 0.96% | 1.34% | 1.82% | 1.83% | 1.86% | 2.32% | +98 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 | 9.46% | 9.22% | 9.07% | 9.32% | 9.28% | 9.16% | 8.84% | 9.01% | -30 bps | |
| Net Worth / Assets | 9.46% | 9.22% | 9.07% | 9.32% | 9.28% | 9.16% | 8.84% | 9.01% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.29% | 75.38% | 75.50% | 76.49% | 75.01% | 72.36% | 68.10% | 67.12% | -938 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Williamsport, PA · Charter 10687 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 7 branches
Q2 2026
Return on Assets
-0.22%
Rank 71 of 72
Net Interest Margin
4.07%
Rank 20 of 72
Efficiency Ratio
95.05%
Rank 71 of 72
Equity / Assets
9.01%
Rank 66 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.22% | 0.59% | 1.06% | 1.40% | Beats 1% | 71 / 72 | ||
| Return on Equity | -2.40% | 5.27% | 7.11% | 9.91% | Beats 1% | 71 / 72 | ||
| Net Interest Margin | 4.07% | 3.09% | 3.57% | 4.10% | Beats 72% | 20 / 72 | ||
| Efficiency Ratio | 95.05% | 64.37% | 73.67% | 81.63% | Beats 3% | 71 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.32% | 0.20% | 0.58% | 1.09% | Beats 4% | 70 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.01% | 10.74% | 12.96% | 16.84% | Beats 8% | 66 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.01% | 10.74% | 12.96% | 16.84% | Beats 8% | 66 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.12% | 34.39% | 52.54% | 65.98% | 78th pctl | 16 / 72 | ||
| Loans / Assets | 60.58% | 30.23% | 45.37% | 57.67% | 83rd pctl | 12 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||