Earning Tree
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
$49.4MAssets
$6.7MLoans
$44.7MShares
$5.0MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 58% of credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (rank 9 of 19).
- Widest gap: net interest margin trails 95% of credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (rank 18 of 19).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |