Wilkes Barre, PA · Charter 2657
NCUA · 3 branches
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
11
Asset Quality
89
Profitability
23
Liquidity
0
Efficiency
68
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 2657
NCUA · 3 branches
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 | 0.36% | 0.37% | 0.31% | 0.62% | 0.69% | 0.64% | 0.39% | 0.37% | -25 bps | |
| Return on Equity | 4.01% | 4.16% | 3.59% | 7.07% | 7.64% | 7.06% | 4.27% | 4.16% | -291 bps | |
| Net Interest Margin | 1.33% | 1.31% | 1.25% | 1.51% | 1.58% | 1.51% | 1.25% | 1.21% | -30 bps | |
| Efficiency Ratio | 67.34% | 67.60% | 70.72% | 57.58% | 55.77% | 57.70% | 69.49% | 70.02% | +1,244 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.94% | 3.01% | 5.35% | 5.29% | 5.04% | 5.89% | 3.44% | 3.62% | -166 bps | |
| Loan Growth (YoY) | 35.65% | 8.12% | 5.89% | 1.87% | -0.19% | 3.71% | 3.05% | 0.74% | -112 bps | |
| Share Growth (YoY) | 20.03% | 2.50% | 5.27% | 4.86% | 4.73% | 5.28% | 2.94% | 3.76% | -110 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.13% | 0.00% | 0.37% | 0.25% | 0.16% | 0.13% | 0.22% | -15 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.88% | 8.86% | 8.73% | 8.80% | 9.07% | 9.00% | 9.09% | 9.00% | +20 bps | |
| Net Worth / Assets | 8.88% | 8.86% | 8.73% | 8.80% | 9.07% | 9.00% | 9.09% | 9.00% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.40% | 15.09% | 14.79% | 14.64% | 14.68% | 14.86% | 14.81% | 14.21% | -43 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 2657 · Peer group: credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (n=19)
NCUA · 3 branches
Q2 2026
Return on Assets
0.37%
Rank 13 of 19
Net Interest Margin
1.21%
Rank 19 of 19
Efficiency Ratio
70.03%
Rank 7 of 19
Equity / Assets
9.00%
Rank 17 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.37% | 0.36% | 0.65% | 1.51% | Beats 32% | 13 / 19 | ||
| Return on Equity | 4.17% | 3.11% | 5.16% | 9.66% | Beats 37% | 12 / 19 | ||
| Net Interest Margin | 1.21% | 2.83% | 3.48% | 3.92% | Beats 0% | 19 / 19 | ||
| Efficiency Ratio | 70.03% | 64.52% | 76.38% | 86.65% | Beats 68% | 7 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.69% | 1.18% | 2.86% | Beats 89% | 3 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.00% | 10.19% | 14.85% | 16.23% | Beats 11% | 17 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.00% | 10.19% | 14.85% | 16.23% | Beats 11% | 17 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 14.21% | 35.75% | 48.22% | 63.39% | 0th pctl | 19 / 19 | ||
| Loans / Assets | 12.94% | 30.68% | 41.12% | 52.54% | 0th pctl | 19 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||