Wyoming, PA · Charter 22723
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 in the Scranton--Wilkes-Barre, PA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
37
Profitability
49
Liquidity
87
Efficiency
53
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.
Wyoming, PA · Charter 22723
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 | 0.07% | 0.88% | 1.03% | 0.68% | 0.81% | +73 bps | |
| Return on Equity | 0.51% | 5.85% | 6.75% | 4.48% | 5.16% | +465 bps | |
| Net Interest Margin | 2.56% | 3.47% | 3.36% | 3.34% | 3.48% | +92 bps | |
| Efficiency Ratio | 97.17% | 74.93% | 69.63% | 79.89% | 77.04% | -2,012 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.70% | -3.20% | -4.24% | -1.69% | -3.37% | -67 bps | |
| Loan Growth (YoY) | 15.85% | 3.84% | -0.54% | -6.36% | -15.15% | -3,100 bps | |
| Share Growth (YoY) | -4.05% | -4.69% | -6.15% | -2.85% | -5.00% | -94 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.62% | 2.36% | 2.57% | 1.70% | +109 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.40% | 0.36% | 0.37% | 0.39% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.32% | 15.06% | 15.29% | 15.19% | 15.65% | +133 bps | |
| Net Worth / Assets | 14.32% | 15.06% | 15.29% | 15.19% | 15.65% | +133 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.96% | 56.37% | 54.39% | 52.35% | 50.87% | -609 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wyoming, PA · Charter 22723 · Peer group: credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (n=19)
NCUA · 1 branch
Q2 2026
Return on Assets
0.81%
Rank 9 of 19
Net Interest Margin
3.48%
Rank 10 of 19
Efficiency Ratio
76.38%
Rank 10 of 19
Equity / Assets
15.65%
Rank 6 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.36% | 0.65% | 1.51% | Beats 53% | 9 / 19 | |
| Return on Equity | 5.16% | 3.11% | 5.16% | 9.66% | Beats 47% | 10 / 19 | |
| Net Interest Margin | 3.48% | 2.83% | 3.48% | 3.92% | Beats 47% | 10 / 19 | |
| Efficiency Ratio | 76.38% | 64.52% | 76.38% | 86.65% | Beats 53% | 10 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.71% | 0.69% | 1.18% | 2.86% | Beats 37% | 13 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.65% | 10.19% | 14.85% | 16.23% | Beats 68% | 6 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.65% | 10.19% | 14.85% | 16.23% | Beats 68% | 6 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.88% | 35.75% | 48.22% | 63.39% | 63rd pctl | 7 / 19 | |
| Loans / Assets | 42.20% | 30.68% | 41.12% | 52.54% | 53rd pctl | 9 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||