Creighton, PA · Charter 370
NCUA · 3 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
65
Profitability
20
Liquidity
0
Efficiency
12
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.
Creighton, PA · Charter 370
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.25% | 0.19% | 0.18% | 0.20% | -1 bps | |
| Return on Equity | 1.37% | 1.57% | 1.17% | 1.10% | 1.20% | -17 bps | |
| Net Interest Margin | 3.06% | 3.17% | 3.22% | 3.20% | 3.31% | +25 bps | |
| Efficiency Ratio | 90.04% | 90.37% | 91.95% | 94.75% | 93.77% | +373 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.58% | -3.90% | -4.42% | -4.93% | -4.81% | -323 bps | |
| Loan Growth (YoY) | 0.99% | -10.20% | -12.86% | -18.79% | -11.39% | -1,238 bps | |
| Share Growth (YoY) | -2.33% | -5.05% | -5.31% | -5.95% | -5.68% | -335 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.56% | 0.68% | 0.56% | 0.42% | -11 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.70% | 16.16% | 16.35% | 16.30% | 16.67% | +97 bps | |
| Net Worth / Assets | 15.70% | 16.16% | 16.35% | 16.30% | 16.67% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.61% | 28.96% | 28.00% | 25.99% | 27.82% | -179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Creighton, PA · Charter 370 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.20%
Rank 1,386 of 1,683
Net Interest Margin
3.31%
Rank 1,264 of 1,683
Efficiency Ratio
93.66%
Rank 1,476 of 1,682
Equity / Assets
16.68%
Rank 411 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | 0.35% | 0.74% | 1.18% | Beats 18% | 1,386 / 1,683 | |
| Return on Equity | 1.23% | 2.67% | 5.89% | 8.74% | Beats 16% | 1,406 / 1,681 | |
| Net Interest Margin | 3.31% | 3.31% | 3.82% | 4.32% | Beats 25% | 1,264 / 1,683 | |
| Efficiency Ratio | 93.66% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,476 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.26% | 0.65% | 1.29% | Beats 65% | 593 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.68% | 10.44% | 12.89% | 16.53% | Beats 76% | 411 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.68% | 10.44% | 12.89% | 16.53% | Beats 76% | 411 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 27.82% | 52.61% | 69.38% | 83.50% | 4th pctl | 1,612 / 1,683 | |
| Loans / Assets | 24.74% | 44.71% | 59.18% | 70.72% | 5th pctl | 1,595 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||