Northampton Area School Dist. Emps
Northampton, PA · Charter 24911 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
$11.7MAssets
$4.8MLoans
$9.2MShares
$2.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 99% of credit unions under $1B in assets in PA (rank 2 of 72).
- Widest gap: net interest margin trails 92% of credit unions under $1B in assets in PA (rank 66 of 72).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.47%
Rank 16 of 72
Net Interest Margin
2.39%
Rank 66 of 72
Efficiency Ratio
38.30%
Rank 2 of 72
Equity / Assets
20.92%
Rank 12 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.59% | 1.06% | 1.40% | Beats 78% | 16 / 72 | |
| Return on Equity | 7.02% | 5.27% | 7.11% | 9.91% | Beats 49% | 37 / 72 | |
| Net Interest Margin | 2.39% | 3.09% | 3.57% | 4.10% | Beats 8% | 66 / 72 | |
| Efficiency Ratio | 38.30% | 64.37% | 73.67% | 81.63% | Beats 99% | 2 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.20% | 0.58% | 1.09% | Beats 83% | 13 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.92% | 10.74% | 12.96% | 16.84% | Beats 83% | 12 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.92% | 10.74% | 12.96% | 16.84% | Beats 83% | 12 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 51.77% | 34.39% | 52.54% | 65.98% | 46th pctl | 39 / 72 | |
| Loans / Assets | 40.87% | 30.23% | 45.37% | 57.67% | 39th pctl | 44 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |