Wyomissing, PA · Charter 5856
NCUA · 2 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 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
4
Asset Quality
58
Profitability
30
Liquidity
0
Efficiency
24
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.
Wyomissing, PA · Charter 5856
NCUA · 2 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 | 0.25% | 0.38% | 0.38% | 0.38% | 0.49% | +24 bps | |
| Return on Equity | 3.14% | 4.60% | 4.62% | 4.66% | 5.83% | +269 bps | |
| Net Interest Margin | 3.12% | 3.26% | 3.23% | 3.30% | 3.41% | +28 bps | |
| Efficiency Ratio | 83.64% | 82.34% | 81.71% | 82.82% | 82.39% | -125 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.19% | 1.31% | -0.01% | -0.47% | -0.49% | -468 bps | |
| Loan Growth (YoY) | 5.15% | 5.10% | 4.51% | 2.45% | 2.22% | -293 bps | |
| Share Growth (YoY) | 3.84% | 0.88% | -0.81% | -1.29% | -1.11% | -496 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.40% | 0.50% | 0.41% | 0.50% | -12 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 | 7.90% | 8.25% | 8.24% | 8.18% | 8.44% | +54 bps | |
| Net Worth / Assets | 7.90% | 8.25% | 8.24% | 8.18% | 8.44% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.40% | 80.84% | 80.18% | 78.92% | 81.05% | +264 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wyomissing, PA · Charter 5856 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
Return on Assets
0.49%
Rank 59 of 72
Net Interest Margin
3.41%
Rank 43 of 72
Efficiency Ratio
82.40%
Rank 56 of 72
Equity / Assets
8.44%
Rank 69 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.59% | 1.06% | 1.40% | Beats 18% | 59 / 72 | |
| Return on Equity | 5.83% | 5.27% | 7.11% | 9.91% | Beats 32% | 49 / 72 | |
| Net Interest Margin | 3.41% | 3.09% | 3.57% | 4.10% | Beats 40% | 43 / 72 | |
| Efficiency Ratio | 82.40% | 64.37% | 73.67% | 81.63% | Beats 24% | 56 / 72 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.20% | 0.58% | 1.09% | Beats 58% | 31 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.44% | 10.74% | 12.96% | 16.84% | Beats 4% | 69 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.44% | 10.74% | 12.96% | 16.84% | Beats 4% | 69 / 72 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.05% | 34.39% | 52.54% | 65.98% | 93rd pctl | 5 / 72 | |
| Loans / Assets | 74.11% | 30.23% | 45.37% | 57.67% | 96th pctl | 3 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||