Guthrie Community
Sayre, PA · Charter 23394 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$122.7MAssets
$62.0MLoans
$112.4MShares
$13.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 72% of credit unions under $1B in assets (rank 471 of 1682).
- Widest gap: net interest margin trails 90% of credit unions under $1B in assets (rank 1514 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.42%
Rank 1,208 of 1,683
Net Interest Margin
2.88%
Rank 1,514 of 1,683
Efficiency Ratio
86.91%
Rank 1,261 of 1,682
Equity / Assets
10.90%
Rank 1,174 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.35% | 0.74% | 1.18% | Beats 28% | 1,208 / 1,683 | |
| Return on Equity | 3.86% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,113 / 1,681 | |
| Net Interest Margin | 2.88% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,514 / 1,683 | |
| Efficiency Ratio | 86.91% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,261 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.26% | 0.65% | 1.29% | Beats 72% | 471 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.90% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,174 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.90% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,174 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 55.10% | 52.61% | 69.38% | 83.50% | 28th pctl | 1,209 / 1,683 | |
| Loans / Assets | 50.49% | 44.71% | 59.18% | 70.72% | 34th pctl | 1,107 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |