Discovery
Wyomissing, PA · Charter 12935 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
$193.2MAssets
$132.0MLoans
$171.1MShares
$22.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 60% of credit unions under $1B in assets in PA (rank 29 of 72).
- Widest gap: efficiency ratio trails 75% of credit unions under $1B in assets in PA (rank 55 of 72).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 | 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 |