S Williamsport, PA · Charter 11689
NCUA · 1 branch
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
63
Asset Quality
26
Profitability
44
Liquidity
50
Efficiency
51
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.
S Williamsport, PA · Charter 11689
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 | 1.42% | 1.48% | 1.12% | 1.30% | 1.37% | 1.17% | 0.90% | 0.97% | -33 bps | |
| Return on Equity | 10.16% | 10.26% | 7.81% | 8.94% | 9.25% | 7.90% | 6.28% | 6.63% | -232 bps | |
| Net Interest Margin | 3.32% | 3.40% | 3.40% | 3.40% | 3.48% | 3.29% | 3.24% | 3.42% | +2 bps | |
| Efficiency Ratio | 65.83% | 65.28% | 71.36% | 67.48% | 67.27% | 70.46% | 74.23% | 73.46% | +598 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.96% | -5.19% | -2.23% | -0.51% | 4.26% | 5.25% | 7.51% | 6.53% | +704 bps | |
| Loan Growth (YoY) | 0.10% | -3.02% | -2.28% | 11.32% | 14.46% | 20.44% | 16.38% | 0.45% | -1,087 bps | |
| Share Growth (YoY) | -9.31% | -7.53% | -4.07% | -2.17% | 3.49% | 4.70% | 7.46% | 6.45% | +862 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.81% | 1.75% | 1.65% | 1.55% | 1.51% | 1.04% | 1.08% | -57 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 | 14.02% | 14.39% | 14.29% | 14.50% | 14.85% | 14.83% | 14.36% | 14.58% | +9 bps | |
| Net Worth / Assets | 14.02% | 14.39% | 14.29% | 14.50% | 14.85% | 14.83% | 14.36% | 14.58% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.60% | 37.94% | 37.64% | 42.89% | 43.80% | 43.64% | 40.76% | 40.47% | -242 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
S Williamsport, PA · Charter 11689 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
Return on Assets
0.96%
Rank 38 of 72
Net Interest Margin
3.41%
Rank 42 of 72
Efficiency Ratio
73.51%
Rank 36 of 72
Equity / Assets
14.58%
Rank 27 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.59% | 1.06% | 1.40% | Beats 47% | 38 / 72 | ||
| Return on Equity | 6.61% | 5.27% | 7.11% | 9.91% | Beats 42% | 42 / 72 | ||
| Net Interest Margin | 3.41% | 3.09% | 3.57% | 4.10% | Beats 42% | 42 / 72 | ||
| Efficiency Ratio | 73.51% | 64.37% | 73.67% | 81.63% | Beats 51% | 36 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.08% | 0.20% | 0.58% | 1.09% | Beats 26% | 54 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.58% | 10.74% | 12.96% | 16.84% | Beats 63% | 27 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.58% | 10.74% | 12.96% | 16.84% | Beats 63% | 27 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 40.47% | 34.39% | 52.54% | 65.98% | 36th pctl | 46 / 72 | ||
| Loans / Assets | 34.54% | 30.23% | 45.37% | 57.67% | 35th pctl | 47 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||