Arize
State College, PA · Charter 24187 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 3 branches
Q2 2026
$175.9MAssets
$120.9MLoans
$162.6MShares
$13.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 74% of credit unions under $1B in assets in PA (rank 19 of 72).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets in PA (rank 71 of 72).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.19%
Rank 70 of 72
Net Interest Margin
4.08%
Rank 19 of 72
Efficiency Ratio
80.27%
Rank 49 of 72
Equity / Assets
7.83%
Rank 71 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.19% | 0.59% | 1.06% | 1.40% | Beats 3% | 70 / 72 | |
| Return on Equity | 2.44% | 5.27% | 7.11% | 9.91% | Beats 10% | 65 / 72 | |
| Net Interest Margin | 4.08% | 3.09% | 3.57% | 4.10% | Beats 74% | 19 / 72 | |
| Efficiency Ratio | 80.27% | 64.37% | 73.67% | 81.63% | Beats 33% | 49 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.12% | 0.20% | 0.58% | 1.09% | Beats 7% | 68 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.83% | 10.74% | 12.96% | 16.84% | Beats 1% | 71 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.83% | 10.74% | 12.96% | 16.84% | Beats 1% | 71 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 74.34% | 34.39% | 52.54% | 65.98% | 88th pctl | 9 / 72 | |
| Loans / Assets | 68.73% | 30.23% | 45.37% | 57.67% | 92nd pctl | 6 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |