Williamsport, PA · Charter 14617
NCUA · 1 branch
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
93
Asset Quality
3
Profitability
33
Liquidity
45
Efficiency
1
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.
Williamsport, PA · Charter 14617
NCUA · 1 branch
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 | 0.13% | -0.16% | -0.51% | -0.81% | -0.69% | -82 bps | |
| Return on Equity | 0.55% | -0.67% | -1.97% | -3.15% | -2.73% | -328 bps | |
| Net Interest Margin | 4.47% | 4.48% | 4.83% | 4.84% | 4.73% | +26 bps | |
| Efficiency Ratio | 97.14% | 103.67% | 110.61% | 116.29% | 114.23% | +1,709 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.25% | -5.96% | -3.05% | -5.89% | -7.78% | -153 bps | |
| Loan Growth (YoY) | -8.00% | -8.53% | -7.03% | -6.69% | -17.62% | -963 bps | |
| Share Growth (YoY) | -8.00% | -7.23% | -2.81% | -7.55% | -8.89% | -89 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.24% | 0.00% | 0.00% | 2.61% | +261 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.61% | 1.46% | 1.34% | 1.41% | 1.63% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.99% | 23.76% | 25.78% | 25.57% | 25.35% | +136 bps | |
| Net Worth / Assets | 23.99% | 23.76% | 25.78% | 25.57% | 25.35% | +136 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.61% | 66.54% | 81.40% | 76.99% | 65.65% | -696 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Williamsport, PA · Charter 14617 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.82%
Rank 72 of 72
Net Interest Margin
4.90%
Rank 1 of 72
Efficiency Ratio
116.67%
Rank 72 of 72
Equity / Assets
25.31%
Rank 5 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.82% | 0.59% | 1.06% | 1.40% | Beats 0% | 72 / 72 | |
| Return on Equity | -3.23% | 5.27% | 7.11% | 9.91% | Beats 0% | 72 / 72 | |
| Net Interest Margin | 4.90% | 3.09% | 3.57% | 4.10% | Beats 99% | 1 / 72 | |
| Efficiency Ratio | 116.67% | 64.37% | 73.67% | 81.63% | Beats 1% | 72 / 72 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.50% | 0.20% | 0.58% | 1.09% | Beats 3% | 71 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 25.31% | 10.74% | 12.96% | 16.84% | Beats 93% | 5 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 25.31% | 10.74% | 12.96% | 16.84% | Beats 93% | 5 / 72 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.75% | 34.39% | 52.54% | 65.98% | 74th pctl | 19 / 72 | |
| Loans / Assets | 48.98% | 30.23% | 45.37% | 57.67% | 57th pctl | 31 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||