Hughestown, PA · Charter 20691
NCUA · 2 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 in the Salt Lake City-Murray, UT area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
13
Profitability
63
Liquidity
39
Efficiency
67
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.
Hughestown, PA · Charter 20691
NCUA · 2 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 | 2.74% | 2.41% | 2.15% | 1.26% | 1.05% | -169 bps | |
| Return on Equity | 15.20% | 13.19% | 11.98% | 7.03% | 5.79% | -942 bps | |
| Net Interest Margin | 4.98% | 4.66% | 4.38% | 3.71% | 3.78% | -120 bps | |
| Efficiency Ratio | 51.79% | 54.60% | 57.12% | 68.59% | 71.82% | +2,004 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.93% | 8.95% | 13.02% | 9.15% | 7.38% | +245 bps | |
| Loan Growth (YoY) | 4.49% | 1.08% | -2.59% | -0.78% | -1.44% | -593 bps | |
| Share Growth (YoY) | 4.16% | 10.05% | 14.59% | 9.02% | 9.16% | +500 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.84% | 1.32% | 1.56% | 1.92% | 2.00% | +116 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 | 18.04% | 18.24% | 17.92% | 17.98% | 18.15% | +11 bps | |
| Net Worth / Assets | 18.04% | 18.24% | 17.92% | 17.98% | 18.15% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.47% | 47.04% | 43.61% | 42.75% | 42.86% | -461 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hughestown, PA · Charter 20691 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 2 branches
Q2 2026
Return on Assets
1.05%
Rank 7 of 24
Net Interest Margin
3.78%
Rank 9 of 24
Efficiency Ratio
71.84%
Rank 9 of 24
Equity / Assets
18.15%
Rank 10 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 0.41% | 0.67% | 1.12% | Beats 71% | 7 / 24 | |
| Return on Equity | 5.79% | 2.16% | 5.02% | 6.69% | Beats 54% | 11 / 24 | |
| Net Interest Margin | 3.78% | 3.10% | 3.61% | 4.01% | Beats 63% | 9 / 24 | |
| Efficiency Ratio | 71.84% | 71.14% | 80.00% | 84.92% | Beats 67% | 9 / 24 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.01% | 0.07% | 0.54% | 1.38% | Beats 13% | 21 / 23 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.15% | 10.05% | 16.75% | 21.42% | Beats 58% | 10 / 24 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.15% | 10.05% | 16.75% | 21.42% | Beats 58% | 10 / 24 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.86% | 42.86% | 62.34% | 82.18% | 22nd pctl | 18 / 23 | |
| Loans / Assets | 35.88% | 32.11% | 55.16% | 70.89% | 33rd pctl | 16 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||