Kingston, PA · Charter 23467
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
79
Asset Quality
16
Profitability
63
Liquidity
19
Efficiency
74
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.
Kingston, PA · Charter 23467
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 | 0.41% | 0.45% | 1.02% | 1.01% | 0.82% | +41 bps | |
| Return on Equity | 2.49% | 2.59% | 5.85% | 5.79% | 4.68% | +219 bps | |
| Net Interest Margin | 3.66% | 3.73% | 4.14% | 4.46% | 4.46% | +80 bps | |
| Efficiency Ratio | 82.42% | 82.69% | 72.48% | 66.79% | 66.26% | -1,616 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.03% | -3.34% | 0.49% | 1.51% | 1.18% | +720 bps | |
| Loan Growth (YoY) | -4.99% | -5.66% | -6.58% | -13.36% | -15.61% | -1,062 bps | |
| Share Growth (YoY) | -7.64% | -4.78% | -0.66% | 0.38% | -0.03% | +761 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.42% | 3.79% | 3.20% | 2.81% | 4.23% | +181 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.79% | 0.81% | 1.34% | 1.87% | +98 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.50% | 17.20% | 17.44% | 17.49% | 17.52% | +102 bps | |
| Net Worth / Assets | 16.50% | 17.20% | 17.44% | 17.49% | 17.52% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.04% | 39.46% | 37.50% | 34.45% | 32.95% | -608 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kingston, PA · Charter 23467 · 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
0.83%
Rank 8 of 19
Net Interest Margin
4.45%
Rank 2 of 19
Efficiency Ratio
65.99%
Rank 6 of 19
Equity / Assets
17.52%
Rank 4 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.36% | 0.65% | 1.51% | Beats 58% | 8 / 19 | |
| Return on Equity | 4.71% | 3.11% | 5.16% | 9.66% | Beats 42% | 11 / 19 | |
| Net Interest Margin | 4.45% | 2.83% | 3.48% | 3.92% | Beats 89% | 2 / 19 | |
| Efficiency Ratio | 65.99% | 64.52% | 76.38% | 86.65% | Beats 74% | 6 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.21% | 0.69% | 1.18% | 2.86% | Beats 16% | 17 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.52% | 10.19% | 14.85% | 16.23% | Beats 79% | 4 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.52% | 10.19% | 14.85% | 16.23% | Beats 79% | 4 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 32.96% | 35.75% | 48.22% | 63.39% | 11th pctl | 17 / 19 | |
| Loans / Assets | 27.18% | 30.68% | 41.12% | 52.54% | 11th pctl | 17 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||