Wilkes Barre, PA · Charter 2583
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
53
Asset Quality
74
Profitability
72
Liquidity
0
Efficiency
42
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.
Wilkes Barre, PA · Charter 2583
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.07% | 0.42% | -0.05% | 0.31% | 0.07% | 1.06% | 0.87% | +92 bps | |
| Return on Equity | 3.94% | 0.51% | 2.80% | -0.32% | 2.08% | 0.48% | 7.15% | 5.83% | +615 bps | |
| Net Interest Margin | 4.94% | 4.75% | 5.21% | 5.34% | 5.36% | 5.30% | 5.87% | 5.66% | +32 bps | |
| Efficiency Ratio | 88.98% | 98.55% | 90.49% | 86.82% | 85.73% | 90.19% | 78.98% | 82.64% | -417 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.97% | -13.66% | -12.80% | -7.54% | -0.70% | -0.10% | 2.30% | 3.19% | +1,073 bps | |
| Loan Growth (YoY) | -5.32% | -7.13% | -3.79% | -3.66% | -1.23% | 0.41% | -1.63% | -3.66% | -1 bps | |
| Share Growth (YoY) | -19.03% | -17.29% | -12.26% | -5.70% | 0.10% | 1.51% | 2.36% | 3.05% | +875 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.17% | 1.82% | 2.37% | 0.77% | 2.72% | 0.58% | 0.13% | 0.85% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.56% | 0.60% | 0.87% | 0.66% | 0.55% | 0.34% | 0.40% | -48 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.86% | 14.54% | 14.92% | 14.92% | 14.83% | 14.63% | 14.82% | 14.99% | +7 bps | |
| Net Worth / Assets | 14.86% | 14.54% | 14.92% | 14.92% | 14.83% | 14.63% | 14.82% | 14.99% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.47% | 78.81% | 78.91% | 78.88% | 77.43% | 77.96% | 75.83% | 73.74% | -514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wilkes Barre, PA · Charter 2583 · 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
0.89%
Rank 7 of 19
Net Interest Margin
5.65%
Rank 1 of 19
Efficiency Ratio
82.88%
Rank 12 of 19
Equity / Assets
14.98%
Rank 9 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.89% | 0.36% | 0.65% | 1.51% | Beats 63% | 7 / 19 | ||
| Return on Equity | 5.91% | 3.11% | 5.16% | 9.66% | Beats 58% | 8 / 19 | ||
| Net Interest Margin | 5.65% | 2.83% | 3.48% | 3.92% | Beats 95% | 1 / 19 | ||
| Efficiency Ratio | 82.88% | 64.52% | 76.38% | 86.65% | Beats 42% | 12 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.69% | 1.18% | 2.86% | Beats 74% | 6 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.98% | 10.19% | 14.85% | 16.23% | Beats 53% | 9 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.98% | 10.19% | 14.85% | 16.23% | Beats 53% | 9 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.73% | 35.75% | 48.22% | 63.39% | 89th pctl | 2 / 19 | ||
| Loans / Assets | 62.48% | 30.68% | 41.12% | 52.54% | 89th pctl | 2 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||