Montoursville, PA · Charter 18144
NCUA · 1 branch
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 in PA (n=72). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
100
Profitability
70
Liquidity
17
Efficiency
60
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.
Montoursville, PA · Charter 18144
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.89% | 1.86% | 1.56% | 1.10% | 1.21% | -68 bps | |
| Return on Equity | 13.82% | 13.14% | 11.18% | 8.10% | 9.14% | -468 bps | |
| Net Interest Margin | 4.85% | 4.86% | 4.71% | 4.39% | 4.22% | -63 bps | |
| Efficiency Ratio | 63.24% | 64.43% | 69.60% | 77.95% | 70.20% | +696 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.06% | 5.69% | 4.68% | 8.99% | 13.54% | +1,360 bps | |
| Loan Growth (YoY) | -11.47% | -4.68% | -3.03% | -0.79% | -4.63% | +684 bps | |
| Share Growth (YoY) | 2.38% | 4.37% | 3.00% | 9.12% | 13.45% | +1,107 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.18% | 0.47% | 0.09% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 0.87% | 0.86% | 0.78% | 0.91% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.67% | 14.17% | 13.94% | 13.62% | 13.22% | -45 bps | |
| Net Worth / Assets | 13.67% | 14.17% | 13.94% | 13.62% | 13.22% | -45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.10% | 39.73% | 37.30% | 36.39% | 32.87% | -623 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Montoursville, PA · Charter 18144 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
Return on Assets
1.20%
Rank 30 of 72
Net Interest Margin
4.23%
Rank 12 of 72
Efficiency Ratio
70.50%
Rank 30 of 72
Equity / Assets
13.22%
Rank 33 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 0.59% | 1.06% | 1.40% | Beats 58% | 30 / 72 | |
| Return on Equity | 9.10% | 5.27% | 7.11% | 9.91% | Beats 68% | 23 / 72 | |
| Net Interest Margin | 4.23% | 3.09% | 3.57% | 4.10% | Beats 83% | 12 / 72 | |
| Efficiency Ratio | 70.50% | 64.37% | 73.67% | 81.63% | Beats 60% | 30 / 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 | 13.22% | 10.74% | 12.96% | 16.84% | Beats 54% | 33 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.22% | 10.74% | 12.96% | 16.84% | Beats 54% | 33 / 72 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 32.86% | 34.39% | 52.54% | 65.98% | 18th pctl | 59 / 72 | |
| Loans / Assets | 28.47% | 30.23% | 45.37% | 57.67% | 19th pctl | 58 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||