York Educational
York, PA · Charter 19429 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 3 branches
Q2 2026
$43.5MAssets
$20.8MLoans
$38.7MShares
$4.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 78% of credit unions under $1B in assets in PA (rank 17 of 72).
- Widest gap: equity / assets trails 79% of credit unions under $1B in assets in PA (rank 57 of 72).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.56%
Rank 55 of 72
Net Interest Margin
3.74%
Rank 27 of 72
Efficiency Ratio
80.28%
Rank 50 of 72
Equity / Assets
10.65%
Rank 57 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.56% | 0.59% | 1.06% | 1.40% | Beats 24% | 55 / 72 | |
| Return on Equity | 5.27% | 5.27% | 7.11% | 9.91% | Beats 25% | 54 / 72 | |
| Net Interest Margin | 3.74% | 3.09% | 3.57% | 4.10% | Beats 63% | 27 / 72 | |
| Efficiency Ratio | 80.28% | 64.37% | 73.67% | 81.63% | Beats 32% | 50 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.20% | 0.58% | 1.09% | Beats 78% | 17 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.65% | 10.74% | 12.96% | 16.84% | Beats 21% | 57 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.65% | 10.74% | 12.96% | 16.84% | Beats 21% | 57 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 53.86% | 34.39% | 52.54% | 65.98% | 56th pctl | 32 / 72 | |
| Loans / Assets | 47.93% | 30.23% | 45.37% | 57.67% | 53rd pctl | 34 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |