Scranton, PA · Charter 2742
NCUA · 5 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
32
Asset Quality
95
Profitability
42
Liquidity
97
Efficiency
37
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.
Scranton, PA · Charter 2742
NCUA · 5 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 | 0.26% | 0.25% | 0.23% | 0.35% | 0.42% | 0.49% | 0.69% | 0.65% | +29 bps | |
| Return on Equity | 2.52% | 2.38% | 2.28% | 3.44% | 4.01% | 4.70% | 6.58% | 6.11% | +267 bps | |
| Net Interest Margin | 2.95% | 2.89% | 2.65% | 2.75% | 2.83% | 2.83% | 2.88% | 2.83% | +8 bps | |
| Efficiency Ratio | 90.74% | 91.36% | 92.37% | 89.56% | 87.82% | 85.92% | 82.85% | 83.61% | -595 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.74% | 2.10% | 3.56% | 2.44% | 3.36% | 4.70% | 2.14% | 4.02% | +159 bps | |
| Loan Growth (YoY) | -8.96% | -10.52% | -7.30% | -1.59% | 1.39% | 2.65% | -1.85% | -1.24% | +35 bps | |
| Share Growth (YoY) | 0.02% | 1.16% | 1.86% | 0.95% | 2.28% | 2.74% | 0.74% | 2.74% | +179 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.47% | 0.16% | 0.47% | 0.15% | 0.46% | 0.19% | 0.20% | -27 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 | 10.49% | 10.48% | 10.13% | 10.33% | 10.52% | 10.50% | 10.52% | 10.57% | +23 bps | |
| Net Worth / Assets | 10.49% | 10.48% | 10.13% | 10.33% | 10.52% | 10.50% | 10.52% | 10.57% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.11% | 50.10% | 48.59% | 50.85% | 51.66% | 50.06% | 47.34% | 48.87% | -197 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Scranton, PA · Charter 2742 · Peer group: credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (n=19)
NCUA · 5 branches
Q2 2026
Return on Assets
0.65%
Rank 11 of 19
Net Interest Margin
2.83%
Rank 15 of 19
Efficiency Ratio
83.60%
Rank 13 of 19
Equity / Assets
10.57%
Rank 13 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | 0.36% | 0.65% | 1.51% | Beats 42% | 11 / 19 | ||
| Return on Equity | 6.11% | 3.11% | 5.16% | 9.66% | Beats 63% | 7 / 19 | ||
| Net Interest Margin | 2.83% | 2.83% | 3.48% | 3.92% | Beats 21% | 15 / 19 | ||
| Efficiency Ratio | 83.60% | 64.52% | 76.38% | 86.65% | Beats 37% | 13 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.69% | 1.18% | 2.86% | Beats 95% | 2 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.57% | 10.19% | 14.85% | 16.23% | Beats 32% | 13 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.57% | 10.19% | 14.85% | 16.23% | Beats 32% | 13 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.88% | 35.75% | 48.22% | 63.39% | 58th pctl | 8 / 19 | ||
| Loans / Assets | 44.79% | 30.68% | 41.12% | 52.54% | 63rd pctl | 7 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||