Montoursville Area
Montoursville, PA · Charter 18144 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
$6.2MAssets
$1.8MLoans
$5.3MShares
$813KNet 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: equity / assets trails 46% of credit unions under $1B in assets in PA (rank 33 of 72).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 | 8-Qtr Trend | 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 |