Danville, PA · Charter 22128
NCUA · 12 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
33
Asset Quality
60
Profitability
72
Liquidity
0
Efficiency
70
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.
Danville, PA · Charter 22128
NCUA · 12 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 | 1.23% | 1.35% | 1.23% | 0.87% | 1.10% | -13 bps | |
| Return on Equity | 10.92% | 11.85% | 10.89% | 8.02% | 9.88% | -104 bps | |
| Net Interest Margin | 3.97% | 4.01% | 3.98% | 3.88% | 4.04% | +7 bps | |
| Efficiency Ratio | 69.51% | 68.08% | 69.05% | 74.16% | 71.02% | +150 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.40% | 11.23% | 10.41% | 12.95% | 12.15% | +174 bps | |
| Loan Growth (YoY) | 13.08% | 10.78% | 9.94% | 9.29% | 13.80% | +71 bps | |
| Share Growth (YoY) | 11.39% | 12.64% | 13.41% | 13.60% | 13.03% | +164 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.58% | 0.81% | 0.49% | 0.49% | -9 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 | 11.23% | 11.35% | 11.29% | 10.85% | 11.10% | -13 bps | |
| Net Worth / Assets | 11.23% | 11.35% | 11.29% | 10.85% | 11.10% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.66% | 98.63% | 95.05% | 92.96% | 98.32% | +66 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Danville, PA · Charter 22128 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 12 branches
Q2 2026
Return on Assets
1.10%
Rank 500 of 1,683
Net Interest Margin
4.04%
Rank 637 of 1,683
Efficiency Ratio
71.02%
Rank 498 of 1,682
Equity / Assets
11.10%
Rank 1,130 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 0.35% | 0.74% | 1.18% | Beats 70% | 500 / 1,683 | |
| Return on Equity | 9.88% | 2.67% | 5.89% | 8.74% | Beats 83% | 293 / 1,681 | |
| Net Interest Margin | 4.04% | 3.31% | 3.82% | 4.32% | Beats 62% | 637 / 1,683 | |
| Efficiency Ratio | 71.02% | 68.91% | 78.20% | 86.93% | Beats 70% | 498 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.49% | 0.26% | 0.65% | 1.29% | Beats 60% | 675 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.10% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,130 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.10% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,130 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.32% | 52.61% | 69.38% | 83.50% | 96th pctl | 73 / 1,683 | |
| Loans / Assets | 87.54% | 44.71% | 59.18% | 70.72% | 99th pctl | 19 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||