Blue Chip
Harrisburg, PA · Charter 24385 · Peer group: credit unions under $1B in assets in PA (n=75)
NCUA · 2 branches
Q2 2025
$44.1MAssets
$24.4MLoans
$39.3MShares
$5.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets in PA (rank 3 of 75).
- Widest gap: return on equity trails 83% of credit unions under $1B in assets in PA (rank 62 of 75).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.38%
Rank 61 of 75
Net Interest Margin
4.71%
Rank 3 of 75
Efficiency Ratio
83.41%
Rank 55 of 75
Equity / Assets
12.80%
Rank 34 of 75
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.38% | 0.48% | 0.82% | 1.34% | Beats 19% | 61 / 75 | |
| Return on Equity | 2.94% | 3.49% | 6.58% | 10.46% | Beats 17% | 62 / 75 | |
| Net Interest Margin | 4.71% | 3.01% | 3.47% | 4.01% | Beats 96% | 3 / 75 | |
| Efficiency Ratio | 83.41% | 64.26% | 74.94% | 83.91% | Beats 28% | 55 / 75 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.17% | 0.52% | 1.26% | Beats 80% | 16 / 75 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.80% | 10.33% | 12.34% | 16.35% | Beats 55% | 34 / 75 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.80% | 10.33% | 12.34% | 16.35% | Beats 55% | 34 / 75 | |
| Liquidity & Funding |
| Loans / Deposits | 61.97% | 36.92% | 52.49% | 68.94% | 64th pctl | 27 / 75 | |
| Loans / Assets | 55.23% | 31.46% | 43.71% | 58.97% | 65th pctl | 26 / 75 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |