Palco FCU
Muncy, PA · Charter 2959 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
$109.3MAssets
$47.7MLoans
$97.1MShares
$14.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 75% of credit unions under $1B in assets in PA (rank 19 of 72).
- Widest gap: net interest margin trails 49% of credit unions under $1B in assets in PA (rank 35 of 72).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 |