Sarco
Bethlehem, PA · Charter 1669 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
$9.4MAssets
$6.2MLoans
$7.2MShares
$2.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 90% of credit unions under $1B in assets in PA (rank 7 of 72).
- Widest gap: nonperforming loans / loans trails 78% of credit unions under $1B in assets in PA (rank 57 of 72).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.61%
Rank 10 of 72
Net Interest Margin
4.11%
Rank 17 of 72
Efficiency Ratio
62.50%
Rank 14 of 72
Equity / Assets
23.41%
Rank 7 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.59% | 1.06% | 1.40% | Beats 86% | 10 / 72 | |
| Return on Equity | 6.87% | 5.27% | 7.11% | 9.91% | Beats 46% | 39 / 72 | |
| Net Interest Margin | 4.11% | 3.09% | 3.57% | 4.10% | Beats 76% | 17 / 72 | |
| Efficiency Ratio | 62.50% | 64.37% | 73.67% | 81.63% | Beats 82% | 14 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.22% | 0.20% | 0.58% | 1.09% | Beats 22% | 57 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 23.41% | 10.74% | 12.96% | 16.84% | Beats 90% | 7 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 23.41% | 10.74% | 12.96% | 16.84% | Beats 90% | 7 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 86.65% | 34.39% | 52.54% | 65.98% | 94th pctl | 4 / 72 | |
| Loans / Assets | 65.89% | 30.23% | 45.37% | 57.67% | 88th pctl | 9 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |