Lonza
Williamsport, PA · Charter 14617 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
$490KAssets
$240KLoans
$365KShares
$124KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 99% of credit unions under $1B in assets in PA (rank 1 of 72).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets in PA (rank 72 of 72).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |