Harwick, PA · Charter 15234
NCUA · 3 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
98
Asset Quality
85
Profitability
29
Liquidity
49
Efficiency
45
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.
Harwick, PA · Charter 15234
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.60% | 0.52% | 0.64% | 0.66% | 0.74% | 0.70% | 0.68% | +4 bps | |
| Return on Equity | 1.91% | 1.79% | 1.54% | 1.90% | 1.96% | 2.19% | 2.13% | 1.99% | +9 bps | |
| Net Interest Margin | 2.97% | 3.11% | 3.12% | 3.20% | 3.25% | 3.26% | 3.06% | 3.22% | +2 bps | |
| Efficiency Ratio | 79.82% | 79.58% | 83.38% | 80.36% | 80.10% | 77.70% | 77.83% | 79.35% | -101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.74% | -16.77% | -16.82% | -6.51% | -2.70% | 2.31% | 6.24% | 1.02% | +753 bps | |
| Loan Growth (YoY) | 3.09% | 1.11% | -3.27% | -12.50% | -15.41% | -12.95% | -17.49% | -12.55% | -5 bps | |
| Share Growth (YoY) | -23.20% | -23.67% | -23.74% | -10.69% | -5.29% | 1.90% | 7.86% | 0.73% | +1,142 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 1.86% | 2.83% | 0.21% | 0.19% | 1.00% | 0.09% | 0.09% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.50% | 0.52% | 0.52% | 0.53% | 0.55% | 0.60% | 0.59% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 32.14% | 33.78% | 33.82% | 33.50% | 33.65% | 33.75% | 32.60% | 33.92% | +42 bps | |
| Net Worth / Assets | 32.14% | 33.78% | 33.82% | 33.50% | 33.65% | 33.75% | 32.60% | 33.92% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.77% | 67.22% | 64.38% | 61.80% | 59.63% | 57.43% | 49.25% | 53.66% | -815 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Harwick, PA · Charter 15234 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.66%
Rank 935 of 1,683
Net Interest Margin
3.23%
Rank 1,321 of 1,683
Efficiency Ratio
79.75%
Rank 927 of 1,682
Equity / Assets
33.92%
Rank 30 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.35% | 0.74% | 1.18% | Beats 44% | 935 / 1,683 | ||
| Return on Equity | 1.95% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,351 / 1,681 | ||
| Net Interest Margin | 3.23% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,321 / 1,683 | ||
| Efficiency Ratio | 79.75% | 68.91% | 78.20% | 86.93% | Beats 45% | 927 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.26% | 0.65% | 1.29% | Beats 85% | 251 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 33.92% | 10.44% | 12.89% | 16.53% | Beats 98% | 30 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 33.92% | 10.44% | 12.89% | 16.53% | Beats 98% | 30 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.66% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,241 / 1,683 | ||
| Loans / Assets | 35.37% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,460 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||