Duncansville, PA · Charter 14879
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
65
Asset Quality
89
Profitability
66
Liquidity
72
Efficiency
44
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.
Duncansville, PA · Charter 14879
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 | 0.09% | -0.65% | -1.38% | 0.86% | 1.06% | +98 bps | |
| Return on Equity | 0.59% | -4.77% | -9.31% | 5.87% | 7.10% | +650 bps | |
| Net Interest Margin | 4.60% | 4.68% | 4.01% | 4.85% | 4.86% | +26 bps | |
| Efficiency Ratio | 95.11% | 89.83% | 93.71% | 75.82% | 76.26% | -1,885 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.05% | 1.37% | 20.31% | 22.15% | 19.89% | +1,584 bps | |
| Loan Growth (YoY) | 12.87% | 9.57% | 17.23% | 17.53% | 5.80% | -708 bps | |
| Share Growth (YoY) | 4.37% | 4.76% | 21.51% | 23.18% | 20.34% | +1,598 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.10% | 0.10% | 0.09% | 0.08% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 1.90% | 0.00% | 0.00% | 0.00% | -42 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.42% | 13.65% | 14.82% | 14.66% | 14.97% | +56 bps | |
| Net Worth / Assets | 14.42% | 13.65% | 14.82% | 14.66% | 14.97% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.35% | 65.96% | 61.32% | 58.96% | 59.21% | -814 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Duncansville, PA · Charter 14879 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
Return on Assets
1.06%
Rank 36 of 72
Net Interest Margin
4.87%
Rank 2 of 72
Efficiency Ratio
76.16%
Rank 41 of 72
Equity / Assets
14.98%
Rank 25 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 0.59% | 1.06% | 1.40% | Beats 50% | 36 / 72 | |
| Return on Equity | 7.11% | 5.27% | 7.11% | 9.91% | Beats 50% | 36 / 72 | |
| Net Interest Margin | 4.87% | 3.09% | 3.57% | 4.10% | Beats 97% | 2 / 72 | |
| Efficiency Ratio | 76.16% | 64.37% | 73.67% | 81.63% | Beats 44% | 41 / 72 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.20% | 0.58% | 1.09% | Beats 89% | 9 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.98% | 10.74% | 12.96% | 16.84% | Beats 65% | 25 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.98% | 10.74% | 12.96% | 16.84% | Beats 65% | 25 / 72 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.21% | 34.39% | 52.54% | 65.98% | 65th pctl | 25 / 72 | |
| Loans / Assets | 50.81% | 30.23% | 45.37% | 57.67% | 64th pctl | 26 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||