Wilkes Barre, PA · Charter 1172
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 the Scranton--Wilkes-Barre, PA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
63
Profitability
82
Liquidity
47
Efficiency
95
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.
Wilkes Barre, PA · Charter 1172
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.11% | 2.15% | 2.21% | 1.92% | 2.09% | -2 bps | |
| Return on Equity | 13.04% | 12.70% | 12.77% | 11.08% | 11.80% | -124 bps | |
| Net Interest Margin | 3.75% | 3.86% | 3.88% | 3.85% | 3.86% | +11 bps | |
| Efficiency Ratio | 48.66% | 49.24% | 48.43% | 53.57% | 50.53% | +187 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.76% | -0.65% | 1.22% | 1.20% | 3.88% | +313 bps | |
| Loan Growth (YoY) | 5.22% | 3.59% | 4.84% | 4.48% | 10.19% | +497 bps | |
| Share Growth (YoY) | -1.62% | -3.24% | -1.17% | -1.08% | 1.97% | +360 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.44% | 1.06% | 0.39% | 0.91% | +77 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.21% | 16.90% | 17.32% | 17.32% | 17.74% | +153 bps | |
| Net Worth / Assets | 16.21% | 16.90% | 17.32% | 17.32% | 17.74% | +153 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.36% | 35.33% | 34.37% | 31.86% | 38.20% | +285 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wilkes Barre, PA · Charter 1172 · Peer group: credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (n=19)
NCUA · 1 branch
Q2 2026
Return on Assets
2.09%
Rank 1 of 19
Net Interest Margin
3.86%
Rank 7 of 19
Efficiency Ratio
50.50%
Rank 2 of 19
Equity / Assets
17.74%
Rank 3 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.09% | 0.36% | 0.65% | 1.51% | Beats 95% | 1 / 19 | |
| Return on Equity | 11.80% | 3.11% | 5.16% | 9.66% | Beats 89% | 2 / 19 | |
| Net Interest Margin | 3.86% | 2.83% | 3.48% | 3.92% | Beats 63% | 7 / 19 | |
| Efficiency Ratio | 50.50% | 64.52% | 76.38% | 86.65% | Beats 95% | 2 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.91% | 0.69% | 1.18% | 2.86% | Beats 63% | 8 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.74% | 10.19% | 14.85% | 16.23% | Beats 84% | 3 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.74% | 10.19% | 14.85% | 16.23% | Beats 84% | 3 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 38.20% | 35.75% | 48.22% | 63.39% | 32nd pctl | 13 / 19 | |
| Loans / Assets | 31.41% | 30.68% | 41.12% | 52.54% | 26th pctl | 14 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||