Par-Del Emp.
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
$7.2MAssets
$3.0MLoans
$6.0MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 68% of credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (rank 6 of 19).
- Widest gap: nonperforming loans / loans trails 63% of credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (rank 13 of 19).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |