NE PA School Employees
Stroudsburg, PA · Charter 13458 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 2 branches
Q4 2024
$167.7MAssets
$72.6MLoans
$151.9MShares
$13.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 22% of credit unions under $1B in assets (rank 1339 of 1721).
- Widest gap: equity / assets trails 94% of credit unions under $1B in assets (rank 1618 of 1723).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.29%
Rank 1,575 of 1,724
Net Interest Margin
2.91%
Rank 1,374 of 1,723
Efficiency Ratio
102.95%
Rank 1,615 of 1,721
Equity / Assets
8.11%
Rank 1,618 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.29% | 0.25% | 0.67% | 1.13% | Beats 9% | 1,575 / 1,724 | | |
| Return on Equity | -3.53% | 1.95% | 5.34% | 8.54% | Beats 7% | 1,600 / 1,723 | | |
| Net Interest Margin | 2.91% | 3.03% | 3.61% | 4.27% | Beats 20% | 1,374 / 1,723 | | |
| Efficiency Ratio | 102.95% | 69.84% | 78.36% | 87.50% | Beats 6% | 1,615 / 1,721 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.53% | 0.28% | 0.70% | 1.38% | Beats 22% | 1,339 / 1,721 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.11% | 10.16% | 12.41% | 16.03% | Beats 6% | 1,618 / 1,724 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.11% | 10.15% | 12.41% | 16.03% | Beats 6% | 1,618 / 1,723 | | |
| Liquidity & Funding |
| Loans / Deposits | 47.80% | 55.95% | 72.66% | 85.34% | 16th pctl | 1,446 / 1,722 | | |
| Loans / Assets | 43.28% | 47.91% | 62.00% | 72.82% | 19th pctl | 1,391 / 1,723 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |