Valley Pride
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
$6.3MAssets
$1.7MLoans
$5.2MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 89% of credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (rank 2 of 19).
- Widest gap: nonperforming loans / loans trails 84% of credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (rank 17 of 19).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |