Cheswick Atomic Division
Harwick, PA · Charter 15234 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$4.8MAssets
$1.7MLoans
$3.2MShares
$1.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 98% of credit unions under $1B in assets (rank 30 of 1683).
- Widest gap: return on equity trails 80% of credit unions under $1B in assets (rank 1351 of 1681).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |