Wyomissing, PA · Charter 12935
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
29
Asset Quality
60
Profitability
41
Liquidity
0
Efficiency
25
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.
Wyomissing, PA · Charter 12935
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 | 0.37% | 0.46% | 0.13% | 0.48% | 0.71% | 0.92% | 0.89% | 0.68% | +20 bps | |
| Return on Equity | 3.41% | 4.23% | 1.22% | 4.36% | 6.30% | 8.01% | 7.82% | 5.90% | +154 bps | |
| Net Interest Margin | 2.74% | 2.83% | 3.13% | 3.24% | 3.35% | 3.39% | 3.70% | 3.70% | +46 bps | |
| Efficiency Ratio | 87.49% | 85.99% | 88.07% | 84.64% | 78.16% | 76.32% | 78.87% | 81.63% | -300 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.23% | 2.07% | 1.67% | 2.80% | 3.36% | 3.88% | 4.20% | 4.39% | +159 bps | |
| Loan Growth (YoY) | 13.74% | 15.17% | 14.09% | 9.48% | 10.86% | 10.58% | 8.18% | 9.38% | -11 bps | |
| Share Growth (YoY) | 3.99% | 0.82% | 0.53% | 1.81% | 2.46% | 2.85% | 3.06% | 3.49% | +169 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.11% | 0.04% | 0.41% | 0.44% | 0.43% | 0.40% | 0.48% | +8 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% | 10.93% | 10.77% | 10.93% | 11.20% | 11.44% | 11.42% | 11.48% | +54 bps | |
| Net Worth / Assets | 10.84% | 10.93% | 10.77% | 10.93% | 11.20% | 11.44% | 11.42% | 11.48% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.52% | 72.20% | 72.59% | 72.99% | 76.31% | 77.63% | 76.19% | 77.14% | +415 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wyomissing, PA · Charter 12935 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
Return on Assets
0.68%
Rank 50 of 72
Net Interest Margin
3.70%
Rank 29 of 72
Efficiency Ratio
81.63%
Rank 55 of 72
Equity / Assets
11.48%
Rank 51 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.68% | 0.59% | 1.06% | 1.40% | Beats 31% | 50 / 72 | ||
| Return on Equity | 5.90% | 5.27% | 7.11% | 9.91% | Beats 33% | 48 / 72 | ||
| Net Interest Margin | 3.70% | 3.09% | 3.57% | 4.10% | Beats 60% | 29 / 72 | ||
| Efficiency Ratio | 81.63% | 64.37% | 73.67% | 81.63% | Beats 25% | 55 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.48% | 0.20% | 0.58% | 1.09% | Beats 60% | 30 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.48% | 10.74% | 12.96% | 16.84% | Beats 29% | 51 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.48% | 10.74% | 12.96% | 16.84% | Beats 29% | 51 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.14% | 34.39% | 52.54% | 65.98% | 89th pctl | 8 / 72 | ||
| Loans / Assets | 68.31% | 30.23% | 45.37% | 57.67% | 90th pctl | 7 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||