Local 520 U A
Harrisburg, PA · Charter 14283 · Peer group: credit unions under $1B in assets in PA (n=128-129)
NCUA · 1 branch
Q2 2024
$7.6MAssets
$5.2MLoans
$6.3MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets in PA (rank 8 of 129).
- Widest gap: return on assets trails 95% of credit unions under $1B in assets in PA (rank 122 of 129).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.68%
Rank 122 of 129
Net Interest Margin
4.58%
Rank 8 of 129
Efficiency Ratio
113.54%
Rank 121 of 129
Equity / Assets
17.70%
Rank 32 of 129
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.68% | 0.21% | 0.71% | 1.26% | Beats 5% | 122 / 129 | n/a | |
| Return on Equity | -3.84% | 1.65% | 4.68% | 9.11% | Beats 6% | 121 / 129 | n/a | |
| Net Interest Margin | 4.58% | 2.76% | 3.35% | 3.89% | Beats 94% | 8 / 129 | n/a | |
| Efficiency Ratio | 113.54% | 66.14% | 78.55% | 87.47% | Beats 7% | 121 / 129 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.11% | 0.20% | 0.58% | 1.00% | Beats 8% | 119 / 128 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.71% | 9.79% | 11.98% | 16.58% | Beats 75% | 32 / 129 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.70% | 9.79% | 11.98% | 16.58% | Beats 75% | 32 / 129 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 82.87% | 39.90% | 55.55% | 72.50% | 89th pctl | 14 / 128 | n/a | |
| Loans / Assets | 68.10% | 34.26% | 48.46% | 63.78% | 83rd pctl | 22 / 129 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |