East Stroudsbur, PA · Charter 21240
NCUA · 1 branch
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
50
Asset Quality
73
Profitability
36
Liquidity
25
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.
East Stroudsbur, PA · Charter 21240
NCUA · 1 branch
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 | 0.36% | 0.39% | 0.39% | 0.32% | 0.07% | -30 bps | |
| Return on Equity | 3.13% | 3.14% | 3.10% | 2.49% | 0.53% | -260 bps | |
| Net Interest Margin | 4.72% | 4.91% | 4.94% | 4.38% | 4.53% | -19 bps | |
| Efficiency Ratio | 88.38% | 89.37% | 90.21% | 93.02% | 98.54% | +1,015 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.71% | -5.33% | -4.33% | -5.67% | -8.18% | +53 bps | |
| Loan Growth (YoY) | -10.89% | -13.40% | -17.59% | -18.88% | -14.05% | -316 bps | |
| Share Growth (YoY) | -10.41% | -6.64% | -5.41% | -6.84% | -9.51% | +89 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.30% | 0.48% | 0.30% | 0.28% | +28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.44% | 0.50% | 0.38% | 0.40% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.63% | 12.56% | 12.59% | 12.72% | 12.90% | +127 bps | |
| Net Worth / Assets | 11.63% | 12.56% | 12.59% | 12.72% | 12.90% | +127 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.95% | 54.29% | 49.07% | 46.73% | 46.49% | -245 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
East Stroudsbur, PA · Charter 21240 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.06%
Rank 1,460 of 1,683
Net Interest Margin
4.51%
Rank 328 of 1,683
Efficiency Ratio
100.00%
Rank 1,562 of 1,682
Equity / Assets
12.91%
Rank 840 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,460 / 1,683 | |
| Return on Equity | 0.45% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,462 / 1,681 | |
| Net Interest Margin | 4.51% | 3.31% | 3.82% | 4.32% | Beats 81% | 328 / 1,683 | |
| Efficiency Ratio | 100.00% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,562 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 454 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.91% | 10.44% | 12.89% | 16.53% | Beats 50% | 840 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.91% | 10.44% | 12.89% | 16.53% | Beats 50% | 840 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.51% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,380 / 1,683 | |
| Loans / Assets | 40.37% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,357 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||