Saint Marys, PA · Charter 20053
NCUA · 6 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
86
Asset Quality
87
Profitability
85
Liquidity
70
Efficiency
94
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.
Saint Marys, PA · Charter 20053
NCUA · 6 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 | 2.73% | 2.71% | 2.58% | 2.17% | 2.21% | -51 bps | |
| Return on Equity | 14.70% | 14.08% | 13.40% | 11.26% | 11.26% | -344 bps | |
| Net Interest Margin | 4.36% | 4.43% | 4.36% | 4.16% | 4.16% | -20 bps | |
| Efficiency Ratio | 49.49% | 50.19% | 50.85% | 53.68% | 54.31% | +482 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.92% | 5.67% | 7.06% | 6.95% | 6.68% | +276 bps | |
| Loan Growth (YoY) | -0.77% | 0.13% | 2.56% | 0.24% | 4.92% | +569 bps | |
| Share Growth (YoY) | 1.33% | 3.40% | 5.18% | 5.20% | 5.17% | +384 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.14% | 0.11% | 0.05% | 0.08% | -22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.55% | 19.27% | 19.27% | 19.25% | 19.68% | +112 bps | |
| Net Worth / Assets | 18.55% | 19.27% | 19.27% | 19.25% | 19.68% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.26% | 61.48% | 59.67% | 56.47% | 60.11% | -14 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Marys, PA · Charter 20053 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
2.22%
Rank 52 of 1,683
Net Interest Margin
4.16%
Rank 543 of 1,683
Efficiency Ratio
54.31%
Rank 108 of 1,682
Equity / Assets
19.68%
Rank 240 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.22% | 0.35% | 0.74% | 1.18% | Beats 97% | 52 / 1,683 | |
| Return on Equity | 11.26% | 2.67% | 5.89% | 8.74% | Beats 89% | 186 / 1,681 | |
| Net Interest Margin | 4.16% | 3.31% | 3.82% | 4.32% | Beats 68% | 543 / 1,683 | |
| Efficiency Ratio | 54.31% | 68.91% | 78.20% | 86.93% | Beats 94% | 108 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.08% | 0.26% | 0.65% | 1.29% | Beats 87% | 216 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.68% | 10.44% | 12.89% | 16.53% | Beats 86% | 240 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.68% | 10.44% | 12.89% | 16.53% | Beats 86% | 240 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.11% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,097 / 1,683 | |
| Loans / Assets | 48.07% | 44.71% | 59.18% | 70.72% | 31st pctl | 1,166 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||