Wilkes Barre, PA · Charter 12333
NCUA · 4 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 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
21
Asset Quality
21
Profitability
11
Liquidity
0
Efficiency
58
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 12333
NCUA · 4 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 | 0.19% | 0.20% | 0.43% | 0.51% | 0.56% | 0.54% | 0.44% | 0.28% | -23 bps | |
| Return on Equity | 1.79% | 1.86% | 4.07% | 4.89% | 5.27% | 5.15% | 4.19% | 2.78% | -212 bps | |
| Net Interest Margin | 1.36% | 1.35% | 1.45% | 1.53% | 1.57% | 1.54% | 1.47% | 1.38% | -15 bps | |
| Efficiency Ratio | 79.57% | 79.61% | 72.87% | 67.48% | 66.50% | 66.95% | 70.17% | 72.25% | +477 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | 1.46% | 5.78% | 7.42% | 6.91% | 8.25% | 7.03% | 7.56% | +13 bps | |
| Loan Growth (YoY) | 13.23% | -0.70% | -6.77% | -4.56% | -2.46% | 2.25% | 1.51% | -3.31% | +125 bps | |
| Share Growth (YoY) | -0.71% | 1.35% | 5.93% | 7.49% | 7.03% | 8.25% | 7.00% | 7.84% | +35 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.61% | 1.14% | 1.80% | 2.15% | 1.46% | 2.11% | 3.08% | 3.89% | +174 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 | 10.84% | 10.85% | 10.59% | 10.51% | 10.61% | 10.56% | 10.44% | 10.19% | -32 bps | |
| Net Worth / Assets | 10.84% | 10.85% | 10.59% | 10.51% | 10.61% | 10.56% | 10.44% | 10.19% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.53% | 17.62% | 16.35% | 16.84% | 16.88% | 16.65% | 15.51% | 15.10% | -174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wilkes Barre, PA · Charter 12333 · Peer group: credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (n=19)
NCUA · 4 branches
Q2 2026
Return on Assets
0.28%
Rank 17 of 19
Net Interest Margin
1.38%
Rank 18 of 19
Efficiency Ratio
72.24%
Rank 9 of 19
Equity / Assets
10.19%
Rank 15 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.28% | 0.36% | 0.65% | 1.51% | Beats 11% | 17 / 19 | ||
| Return on Equity | 2.78% | 3.11% | 5.16% | 9.66% | Beats 16% | 16 / 19 | ||
| Net Interest Margin | 1.38% | 2.83% | 3.48% | 3.92% | Beats 5% | 18 / 19 | ||
| Efficiency Ratio | 72.24% | 64.52% | 76.38% | 86.65% | Beats 58% | 9 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.89% | 0.69% | 1.18% | 2.86% | Beats 21% | 16 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.19% | 10.19% | 14.85% | 16.23% | Beats 21% | 15 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.19% | 10.19% | 14.85% | 16.23% | Beats 21% | 15 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 15.10% | 35.75% | 48.22% | 63.39% | 5th pctl | 18 / 19 | ||
| Loans / Assets | 13.63% | 30.68% | 41.12% | 52.54% | 5th pctl | 18 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||