Meadville, PA · Charter 6187
NCUA · 5 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
5
Asset Quality
67
Profitability
34
Liquidity
46
Efficiency
32
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.
Meadville, PA · Charter 6187
NCUA · 5 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 | 0.50% | 0.67% | 0.62% | 0.31% | 0.34% | -17 bps | |
| Return on Equity | 5.93% | 7.63% | 7.03% | 3.68% | 4.01% | -192 bps | |
| Net Interest Margin | 3.83% | 3.89% | 3.90% | 3.78% | 3.70% | -12 bps | |
| Efficiency Ratio | 83.21% | 81.23% | 82.62% | 83.03% | 84.04% | +82 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.64% | 9.12% | 9.93% | 8.65% | 8.16% | -448 bps | |
| Loan Growth (YoY) | 10.65% | 10.98% | 11.03% | 10.30% | 7.89% | -277 bps | |
| Share Growth (YoY) | 12.84% | 8.84% | 10.10% | 8.71% | 8.35% | -448 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.33% | 0.68% | 0.42% | 0.38% | +2 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 | 8.49% | 8.72% | 8.79% | 8.52% | 8.36% | -13 bps | |
| Net Worth / Assets | 8.49% | 8.72% | 8.79% | 8.52% | 8.36% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.90% | 85.58% | 86.37% | 83.13% | 81.55% | -35 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Meadville, PA · Charter 6187 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.34%
Rank 1,282 of 1,683
Net Interest Margin
3.70%
Rank 935 of 1,683
Efficiency Ratio
84.04%
Rank 1,144 of 1,682
Equity / Assets
8.36%
Rank 1,592 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.35% | 0.74% | 1.18% | Beats 24% | 1,282 / 1,683 | |
| Return on Equity | 4.02% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,089 / 1,681 | |
| Net Interest Margin | 3.70% | 3.31% | 3.82% | 4.32% | Beats 44% | 935 / 1,683 | |
| Efficiency Ratio | 84.04% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,144 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.38% | 0.26% | 0.65% | 1.29% | Beats 67% | 548 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.36% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,592 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.36% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,592 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.55% | 52.61% | 69.38% | 83.50% | 72nd pctl | 467 / 1,683 | |
| Loans / Assets | 73.63% | 44.71% | 59.18% | 70.72% | 81st pctl | 319 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||