New Stanton, PA · Charter 4088
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 (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
25
Asset Quality
31
Profitability
43
Liquidity
84
Efficiency
27
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.
New Stanton, PA · Charter 4088
NCUA · 1 branch
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 | 0.53% | 0.41% | 0.36% | 0.32% | 0.30% | -23 bps | |
| Return on Equity | 5.21% | 3.99% | 3.40% | 3.09% | 2.83% | -239 bps | |
| Net Interest Margin | 3.78% | 3.87% | 4.07% | 4.41% | 4.53% | +75 bps | |
| Efficiency Ratio | 76.63% | 81.43% | 82.77% | 88.20% | 86.35% | +972 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.35% | 7.34% | 1.99% | -3.45% | -0.66% | -701 bps | |
| Loan Growth (YoY) | 0.77% | -2.17% | -1.10% | 0.02% | 1.02% | +25 bps | |
| Share Growth (YoY) | 6.41% | 7.26% | 1.65% | -4.33% | -1.23% | -763 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.92% | 1.55% | 1.57% | 1.04% | 1.07% | -85 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 | 10.16% | 10.22% | 10.54% | 10.45% | 10.45% | +30 bps | |
| Net Worth / Assets | 10.16% | 10.22% | 10.54% | 10.45% | 10.45% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.13% | 62.22% | 64.84% | 63.62% | 64.57% | +143 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Stanton, PA · Charter 4088 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.29%
Rank 1,319 of 1,683
Net Interest Margin
4.54%
Rank 315 of 1,683
Efficiency Ratio
86.23%
Rank 1,235 of 1,682
Equity / Assets
10.45%
Rank 1,262 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,319 / 1,683 | |
| Return on Equity | 2.78% | 2.67% | 5.89% | 8.74% | Beats 26% | 1,242 / 1,681 | |
| Net Interest Margin | 4.54% | 3.31% | 3.82% | 4.32% | Beats 81% | 315 / 1,683 | |
| Efficiency Ratio | 86.23% | 68.91% | 78.20% | 86.93% | Beats 27% | 1,235 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.07% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,166 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.45% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,262 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.45% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,262 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.56% | 52.61% | 69.38% | 83.50% | 41st pctl | 986 / 1,683 | |
| Loans / Assets | 57.79% | 44.71% | 59.18% | 70.72% | 47th pctl | 888 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||