Johnsonburg, PA · Charter 13469
NCUA · 2 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 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
17
Asset Quality
1
Profitability
13
Liquidity
46
Efficiency
26
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.
Johnsonburg, PA · Charter 13469
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.27% | 0.23% | 0.51% | 0.28% | +6 bps | |
| Return on Equity | 1.88% | 2.39% | 2.04% | 4.66% | 2.71% | +83 bps | |
| Net Interest Margin | 3.61% | 3.62% | 3.60% | 3.31% | 3.02% | -59 bps | |
| Efficiency Ratio | 80.44% | 79.22% | 80.49% | 75.68% | 81.44% | +100 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.47% | 4.01% | 5.99% | 5.10% | 14.83% | +836 bps | |
| Loan Growth (YoY) | -4.96% | -8.50% | -6.60% | -2.34% | -2.42% | +254 bps | |
| Share Growth (YoY) | 6.90% | 3.91% | 6.60% | 5.42% | 16.23% | +932 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.37% | 2.08% | 2.67% | 0.74% | 2.90% | +54 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.54% | 11.41% | 11.28% | 10.90% | 10.30% | -124 bps | |
| Net Worth / Assets | 11.54% | 11.41% | 11.28% | 10.90% | 10.30% | -124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.12% | 45.22% | 45.15% | 41.16% | 39.56% | -756 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Johnsonburg, PA · Charter 13469 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
Return on Assets
0.27%
Rank 69 of 72
Net Interest Margin
3.02%
Rank 57 of 72
Efficiency Ratio
81.60%
Rank 54 of 72
Equity / Assets
10.30%
Rank 60 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.59% | 1.06% | 1.40% | Beats 4% | 69 / 72 | |
| Return on Equity | 2.66% | 5.27% | 7.11% | 9.91% | Beats 14% | 62 / 72 | |
| Net Interest Margin | 3.02% | 3.09% | 3.57% | 4.10% | Beats 21% | 57 / 72 | |
| Efficiency Ratio | 81.60% | 64.37% | 73.67% | 81.63% | Beats 26% | 54 / 72 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.90% | 0.20% | 0.58% | 1.09% | Beats 1% | 72 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.30% | 10.74% | 12.96% | 16.84% | Beats 17% | 60 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.30% | 10.74% | 12.96% | 16.84% | Beats 17% | 60 / 72 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 39.56% | 34.39% | 52.54% | 65.98% | 35th pctl | 47 / 72 | |
| Loans / Assets | 35.22% | 30.23% | 45.37% | 57.67% | 38th pctl | 45 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||