Penn-Trafford School Emp.
Trafford, PA · Charter 17014 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
$5.3MAssets
$2.2MLoans
$4.2MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in PA (rank 7 of 72).
- Widest gap: return on equity trails 40% of credit unions under $1B in assets in PA (rank 29 of 72).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.84%
Rank 6 of 72
Net Interest Margin
3.75%
Rank 26 of 72
Efficiency Ratio
48.00%
Rank 5 of 72
Equity / Assets
21.24%
Rank 11 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.84% | 0.59% | 1.06% | 1.40% | Beats 92% | 6 / 72 | | |
| Return on Equity | 8.64% | 5.27% | 7.11% | 9.91% | Beats 60% | 29 / 72 | | |
| Net Interest Margin | 3.75% | 3.09% | 3.57% | 4.10% | Beats 64% | 26 / 72 | | |
| Efficiency Ratio | 48.00% | 64.37% | 73.67% | 81.63% | Beats 94% | 5 / 72 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.58% | 1.09% | Beats 100% | 7 / 72 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.24% | 10.74% | 12.96% | 16.84% | Beats 85% | 11 / 72 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.24% | 10.74% | 12.96% | 16.84% | Beats 85% | 11 / 72 | | |
| Liquidity & Funding |
| Loans / Deposits | 52.80% | 34.39% | 52.54% | 65.98% | 51st pctl | 35 / 72 | | |
| Loans / Assets | 41.27% | 30.23% | 45.37% | 57.67% | 40th pctl | 43 / 72 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |