Johnstown, PA · Charter 3120
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
94
Asset Quality
29
Profitability
18
Liquidity
0
Efficiency
7
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.
Johnstown, PA · Charter 3120
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 | 0.18% | 0.09% | -0.32% | -0.14% | -0.12% | -0.04% | 0.60% | 0.32% | +47 bps | |
| Return on Equity | 0.75% | 0.36% | -1.33% | -0.58% | -0.50% | -0.17% | 2.36% | 1.24% | +182 bps | |
| Net Interest Margin | 2.81% | 2.83% | 2.54% | 2.55% | 2.63% | 2.71% | 3.36% | 3.38% | +83 bps | |
| Efficiency Ratio | 93.71% | 96.84% | 112.73% | 105.65% | 104.71% | 101.56% | 82.30% | 90.45% | -1,519 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.23% | -7.89% | -4.56% | -5.13% | -3.28% | -2.53% | -2.91% | -4.30% | +83 bps | |
| Loan Growth (YoY) | -7.00% | -5.88% | -5.69% | -5.31% | 2.41% | 4.00% | 4.43% | 7.20% | +1,251 bps | |
| Share Growth (YoY) | -13.16% | -10.27% | -5.89% | -6.61% | -4.25% | -3.30% | -4.09% | -6.08% | +53 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.63% | 1.61% | 1.42% | 1.94% | 1.73% | 1.63% | 1.38% | 1.04% | -91 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 | 0.65% | 0.66% | 0.64% | 0.65% | 0.62% | 0.62% | 0.61% | 0.60% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.12% | 24.43% | 24.32% | 24.67% | 24.87% | 25.02% | 25.24% | 26.08% | +141 bps | |
| Net Worth / Assets | 24.12% | 24.43% | 24.32% | 24.67% | 24.87% | 25.02% | 25.24% | 26.08% | +141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.76% | 67.95% | 68.16% | 68.94% | 72.47% | 73.08% | 74.22% | 78.69% | +975 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Johnstown, PA · Charter 3120 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
Return on Assets
0.32%
Rank 64 of 72
Net Interest Margin
3.38%
Rank 45 of 72
Efficiency Ratio
90.48%
Rank 68 of 72
Equity / Assets
26.08%
Rank 4 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.32% | 0.59% | 1.06% | 1.40% | Beats 11% | 64 / 72 | ||
| Return on Equity | 1.24% | 5.27% | 7.11% | 9.91% | Beats 4% | 69 / 72 | ||
| Net Interest Margin | 3.38% | 3.09% | 3.57% | 4.10% | Beats 38% | 45 / 72 | ||
| Efficiency Ratio | 90.48% | 64.37% | 73.67% | 81.63% | Beats 7% | 68 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.03% | 0.20% | 0.58% | 1.09% | Beats 29% | 52 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.08% | 10.74% | 12.96% | 16.84% | Beats 94% | 4 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.08% | 10.74% | 12.96% | 16.84% | Beats 94% | 4 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.70% | 34.39% | 52.54% | 65.98% | 90th pctl | 7 / 72 | ||
| Loans / Assets | 58.16% | 30.23% | 45.37% | 57.67% | 78th pctl | 16 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||