Wheatland
Lancaster, PA · Charter 1658 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 4 branches
Q2 2026
$69.9MAssets
$38.1MLoans
$63.7MShares
$6.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 74% of credit unions under $1B in assets in PA (rank 20 of 72).
- Widest gap: efficiency ratio trails 96% of credit unions under $1B in assets in PA (rank 70 of 72).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.46%
Rank 60 of 72
Net Interest Margin
3.66%
Rank 31 of 72
Efficiency Ratio
93.37%
Rank 70 of 72
Equity / Assets
8.59%
Rank 68 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.46% | 0.59% | 1.06% | 1.40% | Beats 17% | 60 / 72 | |
| Return on Equity | 5.30% | 5.27% | 7.11% | 9.91% | Beats 26% | 53 / 72 | |
| Net Interest Margin | 3.66% | 3.09% | 3.57% | 4.10% | Beats 57% | 31 / 72 | |
| Efficiency Ratio | 93.37% | 64.37% | 73.67% | 81.63% | Beats 4% | 70 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.20% | 0.58% | 1.09% | Beats 74% | 20 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.59% | 10.74% | 12.96% | 16.84% | Beats 6% | 68 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.59% | 10.74% | 12.96% | 16.84% | Beats 6% | 68 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 59.77% | 34.39% | 52.54% | 65.98% | 68th pctl | 23 / 72 | |
| Loans / Assets | 54.49% | 30.23% | 45.37% | 57.67% | 71st pctl | 21 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |