C-B-W Schools
Sidman, PA · Charter 11374 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
$131.8MAssets
$27.5MLoans
$96.1MShares
$39.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 97% of credit unions under $1B in assets in PA (rank 2 of 72).
- Widest gap: net interest margin trails 93% of credit unions under $1B in assets in PA (rank 67 of 72).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |