Galaxy
Franklin, PA · Charter 4116 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$72.6MAssets
$31.6MLoans
$59.8MShares
$12.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 78% of credit unions under $1B in assets (rank 375 of 1683).
- Widest gap: net interest margin trails 84% of credit unions under $1B in assets (rank 1414 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.47%
Rank 1,170 of 1,683
Net Interest Margin
3.06%
Rank 1,414 of 1,683
Efficiency Ratio
77.03%
Rank 780 of 1,682
Equity / Assets
17.28%
Rank 375 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.47% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,170 / 1,683 | |
| Return on Equity | 2.71% | 2.67% | 5.89% | 8.74% | Beats 25% | 1,253 / 1,681 | |
| Net Interest Margin | 3.06% | 3.31% | 3.82% | 4.32% | Beats 16% | 1,414 / 1,683 | |
| Efficiency Ratio | 77.03% | 68.91% | 78.20% | 86.93% | Beats 54% | 780 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.29% | Beats 74% | 430 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.28% | 10.44% | 12.89% | 16.53% | Beats 78% | 375 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.28% | 10.44% | 12.89% | 16.53% | Beats 78% | 375 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 52.82% | 52.61% | 69.38% | 83.50% | 25th pctl | 1,258 / 1,683 | |
| Loans / Assets | 43.52% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,283 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |