PHB Employees
Fairview, PA · Charter 6277 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
$8.2MAssets
$1.9MLoans
$6.5MShares
$1.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 82% of credit unions under $1B in assets in PA (rank 13 of 72).
- Widest gap: nonperforming loans / loans trails 89% of credit unions under $1B in assets in PA (rank 65 of 72).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.10%
Rank 34 of 72
Net Interest Margin
3.99%
Rank 22 of 72
Efficiency Ratio
66.48%
Rank 23 of 72
Equity / Assets
20.79%
Rank 13 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.59% | 1.06% | 1.40% | Beats 53% | 34 / 72 | |
| Return on Equity | 5.30% | 5.27% | 7.11% | 9.91% | Beats 28% | 52 / 72 | |
| Net Interest Margin | 3.99% | 3.09% | 3.57% | 4.10% | Beats 69% | 22 / 72 | |
| Efficiency Ratio | 66.48% | 64.37% | 73.67% | 81.63% | Beats 69% | 23 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.03% | 0.20% | 0.58% | 1.09% | Beats 11% | 65 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.79% | 10.74% | 12.96% | 16.84% | Beats 82% | 13 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.79% | 10.74% | 12.96% | 16.84% | Beats 82% | 13 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 29.70% | 34.39% | 52.54% | 65.98% | 13th pctl | 63 / 72 | |
| Loans / Assets | 23.47% | 30.23% | 45.37% | 57.67% | 11th pctl | 64 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |