Sayre, PA · Charter 14425
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
21
Profitability
17
Liquidity
95
Efficiency
14
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.
Sayre, PA · Charter 14425
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 | 0.02% | 0.11% | 0.05% | -0.26% | -0.19% | -21 bps | |
| Return on Equity | 0.12% | 0.74% | 0.34% | -1.90% | -1.41% | -153 bps | |
| Net Interest Margin | 3.59% | 3.68% | 3.63% | 3.40% | 3.51% | -8 bps | |
| Efficiency Ratio | 85.64% | 86.07% | 88.05% | 94.54% | 92.89% | +725 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.84% | 7.15% | 4.28% | 3.88% | 3.08% | -776 bps | |
| Loan Growth (YoY) | 4.84% | 8.96% | 9.41% | 10.60% | 14.72% | +988 bps | |
| Share Growth (YoY) | 12.75% | 8.22% | 5.00% | 4.76% | 3.85% | -889 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.49% | 2.80% | 2.39% | 1.85% | 1.54% | +5 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 | 14.00% | 14.13% | 13.87% | 13.48% | 13.53% | -47 bps | |
| Net Worth / Assets | 14.00% | 14.13% | 13.87% | 13.48% | 13.53% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.75% | 65.81% | 64.12% | 64.13% | 70.42% | +667 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sayre, PA · Charter 14425 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.19%
Rank 1,536 of 1,683
Net Interest Margin
3.51%
Rank 1,112 of 1,683
Efficiency Ratio
92.92%
Rank 1,455 of 1,682
Equity / Assets
13.53%
Rank 742 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.19% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,536 / 1,683 | |
| Return on Equity | -1.40% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,531 / 1,681 | |
| Net Interest Margin | 3.51% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,112 / 1,683 | |
| Efficiency Ratio | 92.92% | 68.91% | 78.20% | 86.93% | Beats 14% | 1,455 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.54% | 0.26% | 0.65% | 1.29% | Beats 21% | 1,336 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.53% | 10.44% | 12.89% | 16.53% | Beats 56% | 742 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.53% | 10.44% | 12.89% | 16.53% | Beats 56% | 742 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.42% | 52.61% | 69.38% | 83.50% | 52nd pctl | 816 / 1,683 | |
| Loans / Assets | 60.72% | 44.71% | 59.18% | 70.72% | 54th pctl | 779 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||