Back Mountain
Shavertown, PA · Charter 21458 · Peer group: credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (n=19)
NCUA · 1 branch
Q2 2026
$6.9MAssets
$3.4MLoans
$5.0MShares
$1.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (rank 1 of 19).
- Widest gap: nonperforming loans / loans trails 89% of credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (rank 18 of 19).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.64%
Rank 12 of 19
Net Interest Margin
3.17%
Rank 14 of 19
Efficiency Ratio
78.70%
Rank 11 of 19
Equity / Assets
27.68%
Rank 1 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.36% | 0.65% | 1.51% | Beats 37% | 12 / 19 | | |
| Return on Equity | 2.31% | 3.11% | 5.16% | 9.66% | Beats 11% | 17 / 19 | | |
| Net Interest Margin | 3.17% | 2.83% | 3.48% | 3.92% | Beats 26% | 14 / 19 | | |
| Efficiency Ratio | 78.70% | 64.52% | 76.38% | 86.65% | Beats 47% | 11 / 19 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.80% | 0.69% | 1.18% | 2.86% | Beats 11% | 18 / 19 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 27.68% | 10.19% | 14.85% | 16.23% | Beats 95% | 1 / 19 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 27.68% | 10.19% | 14.85% | 16.23% | Beats 95% | 1 / 19 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.59% | 35.75% | 48.22% | 63.39% | 84th pctl | 3 / 19 | | |
| Loans / Assets | 48.77% | 30.68% | 41.12% | 52.54% | 68th pctl | 6 / 19 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |