Sidman, PA · Charter 11374
NCUA · 2 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
97
Asset Quality
68
Profitability
31
Liquidity
0
Efficiency
93
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.
Sidman, PA · Charter 11374
NCUA · 2 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 | 0.90% | 0.89% | 0.95% | 0.97% | 1.02% | 1.04% | 1.23% | 1.23% | +26 bps | |
| Return on Equity | 2.79% | 2.76% | 3.04% | 3.18% | 3.35% | 3.46% | 4.12% | 4.14% | +96 bps | |
| Net Interest Margin | 2.01% | 2.02% | 2.07% | 2.08% | 2.10% | 2.12% | 2.25% | 2.29% | +21 bps | |
| Efficiency Ratio | 58.20% | 58.67% | 57.32% | 56.12% | 54.50% | 53.73% | 48.75% | 49.08% | -704 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.69% | 1.82% | 5.03% | 8.04% | 8.84% | 11.10% | 8.73% | 6.87% | -117 bps | |
| Loan Growth (YoY) | 1.53% | 2.19% | 2.43% | 2.53% | 1.24% | 1.69% | -0.49% | 0.62% | -191 bps | |
| Share Growth (YoY) | -1.74% | 0.27% | 3.38% | 6.95% | 9.61% | 11.03% | 9.11% | 7.36% | +42 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.02% | 0.34% | 0.33% | 0.29% | 0.29% | 0.29% | 0.33% | 0 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 | 32.12% | 32.32% | 31.11% | 30.58% | 30.47% | 30.12% | 29.71% | 29.78% | -80 bps | |
| Net Worth / Assets | 32.12% | 32.32% | 31.11% | 30.58% | 30.47% | 30.12% | 29.71% | 29.78% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.28% | 32.95% | 31.12% | 30.50% | 30.74% | 30.18% | 28.38% | 28.59% | -192 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sidman, PA · Charter 11374 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
Return on Assets
1.23%
Rank 27 of 72
Net Interest Margin
2.29%
Rank 67 of 72
Efficiency Ratio
49.03%
Rank 6 of 72
Equity / Assets
29.78%
Rank 2 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.23% | 0.59% | 1.06% | 1.40% | Beats 63% | 27 / 72 | ||
| Return on Equity | 4.14% | 5.27% | 7.11% | 9.91% | Beats 22% | 56 / 72 | ||
| Net Interest Margin | 2.29% | 3.09% | 3.57% | 4.10% | Beats 7% | 67 / 72 | ||
| Efficiency Ratio | 49.03% | 64.37% | 73.67% | 81.63% | Beats 93% | 6 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.33% | 0.20% | 0.58% | 1.09% | Beats 68% | 24 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 29.78% | 10.74% | 12.96% | 16.84% | Beats 97% | 2 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 29.78% | 10.74% | 12.96% | 16.84% | Beats 97% | 2 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 28.59% | 34.39% | 52.54% | 65.98% | 8th pctl | 66 / 72 | ||
| Loans / Assets | 20.86% | 30.23% | 45.37% | 57.67% | 7th pctl | 67 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||