Muncy, PA · Charter 2959
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 PA (n=72). 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
75
Profitability
63
Liquidity
86
Efficiency
61
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.
Muncy, PA · Charter 2959
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 | 0.69% | 1.06% | 1.29% | 1.37% | 1.51% | 1.45% | 1.12% | 1.28% | -9 bps | |
| Return on Equity | 5.89% | 8.82% | 10.75% | 11.08% | 11.82% | 11.29% | 8.82% | 9.74% | -134 bps | |
| Net Interest Margin | 3.00% | 3.01% | 3.17% | 3.32% | 3.43% | 3.44% | 3.54% | 3.61% | +30 bps | |
| Efficiency Ratio | 73.93% | 70.45% | 67.71% | 64.24% | 61.78% | 60.44% | 70.53% | 69.19% | +495 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.08% | 3.28% | 4.03% | 3.32% | 4.58% | 5.53% | 6.02% | 5.43% | +211 bps | |
| Loan Growth (YoY) | 20.58% | 17.42% | 18.91% | 23.28% | 26.58% | 25.97% | 22.11% | 11.48% | -1,180 bps | |
| Share Growth (YoY) | 2.48% | 2.67% | 3.92% | 3.11% | 2.72% | 3.49% | 4.76% | 4.66% | +155 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.07% | 0.12% | 0.28% | 0.16% | 0.36% | 0.08% | 0.20% | -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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.65% | 12.04% | 12.03% | 12.34% | 12.82% | 12.86% | 12.72% | 13.10% | +76 bps | |
| Net Worth / Assets | 11.65% | 12.04% | 12.03% | 12.34% | 12.82% | 12.86% | 12.72% | 13.10% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.61% | 41.00% | 41.83% | 46.12% | 50.05% | 49.90% | 48.76% | 49.13% | +300 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Muncy, PA · Charter 2959 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
Return on Assets
1.28%
Rank 24 of 72
Net Interest Margin
3.61%
Rank 35 of 72
Efficiency Ratio
69.17%
Rank 29 of 72
Equity / Assets
13.11%
Rank 34 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.28% | 0.59% | 1.06% | 1.40% | Beats 67% | 24 / 72 | ||
| Return on Equity | 9.73% | 5.27% | 7.11% | 9.91% | Beats 71% | 21 / 72 | ||
| Net Interest Margin | 3.61% | 3.09% | 3.57% | 4.10% | Beats 51% | 35 / 72 | ||
| Efficiency Ratio | 69.17% | 64.37% | 73.67% | 81.63% | Beats 61% | 29 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.20% | 0.58% | 1.09% | Beats 75% | 19 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.11% | 10.74% | 12.96% | 16.84% | Beats 53% | 34 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.11% | 10.74% | 12.96% | 16.84% | Beats 53% | 34 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.13% | 34.39% | 52.54% | 65.98% | 39th pctl | 44 / 72 | ||
| Loans / Assets | 43.63% | 30.23% | 45.37% | 57.67% | 46th pctl | 39 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||