PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Wyoming Valley Educational Empl

Wilkes Barre, PA · Charter 2657

NCUA · 3 branches

Q2 2026

$56.0MAssets
$7.3MLoans
$51.0MShares
$5.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.37%, down 25 bps year over year; NIM at 1.21%.
  • Asset quality: problem loans at 0.22% of loans (-15 bps YoY).
  • Capital: net worth / assets of 9.00%, up 20 bps from a year ago.
  • Funding: loans stand at 14.21% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.37%-25 bps YoY

Net Interest Margin (quarter, annualized)

1.21%-30 bps YoY

Efficiency Ratio (quarter, annualized)

70.02%+1,244 bps YoY

Net Worth / Assets

9.00%+20 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.37%0.31%0.62%0.69%0.64%0.39%0.37%-25 bps
Return on Equity4.01%4.16%3.59%7.07%7.64%7.06%4.27%4.16%-291 bps
Net Interest Margin1.33%1.31%1.25%1.51%1.58%1.51%1.25%1.21%-30 bps
Efficiency Ratio67.34%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 / Loans0.05%0.13%0.00%0.37%0.25%0.16%0.13%0.22%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.88%8.86%8.73%8.80%9.07%9.00%9.09%9.00%+20 bps
Net Worth / Assets8.88%8.86%8.73%8.80%9.07%9.00%9.09%9.00%+20 bps
Liquidity & Funding
Loans / Shares15.40%15.09%14.79%14.64%14.68%14.86%14.81%14.21%-43 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps