Newell, PA · Charter 19045
NCUA · 3 branches
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
100
Profitability
28
Liquidity
71
Efficiency
8
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.
Newell, PA · Charter 19045
NCUA · 3 branches
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 | 0.50% | 0.66% | 0.74% | -0.16% | 0.02% | -49 bps | |
| Return on Equity | 5.37% | 6.83% | 7.03% | -1.52% | 0.16% | -521 bps | |
| Net Interest Margin | 3.73% | 3.80% | 4.08% | 3.93% | 3.95% | +22 bps | |
| Efficiency Ratio | 85.09% | 83.12% | 82.97% | 103.44% | 99.59% | +1,450 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.45% | -2.97% | -5.56% | -6.19% | -8.01% | -157 bps | |
| Loan Growth (YoY) | -0.51% | 0.31% | -7.18% | -8.25% | -5.04% | -453 bps | |
| Share Growth (YoY) | -7.69% | -3.83% | -6.85% | -7.49% | -9.28% | -159 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.59% | 0.62% | 0.63% | 0.56% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.38% | 9.73% | 10.53% | 10.55% | 10.68% | +130 bps | |
| Net Worth / Assets | 9.38% | 9.73% | 10.53% | 10.55% | 10.68% | +130 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.78% | 59.13% | 61.09% | 60.05% | 60.49% | +271 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newell, PA · Charter 19045 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.04%
Rank 1,467 of 1,683
Net Interest Margin
3.96%
Rank 703 of 1,683
Efficiency Ratio
100.00%
Rank 1,562 of 1,682
Equity / Assets
10.68%
Rank 1,222 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,467 / 1,683 | |
| Return on Equity | 0.33% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,466 / 1,681 | |
| Net Interest Margin | 3.96% | 3.31% | 3.82% | 4.32% | Beats 58% | 703 / 1,683 | |
| Efficiency Ratio | 100.00% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,562 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.68% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,222 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.68% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,222 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.50% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,088 / 1,683 | |
| Loans / Assets | 53.91% | 44.71% | 59.18% | 70.72% | 41st pctl | 1,001 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||