Scranton, PA · Charter 62998
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 the Scranton--Wilkes-Barre, PA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
5
Profitability
4
Liquidity
91
Efficiency
5
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.
Scranton, PA · Charter 62998
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 | -2.22% | -3.26% | -2.34% | -0.81% | -0.63% | +158 bps | |
| Return on Equity | -13.16% | -20.02% | -15.94% | -4.92% | -4.07% | +909 bps | |
| Net Interest Margin | 2.12% | 2.24% | 2.05% | 10.18% | 2.38% | +26 bps | |
| Efficiency Ratio | 201% | 240% | 212% | 107.84% | 120.88% | -8,032 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.80% | -5.65% | 4.15% | 9.31% | 5.28% | +608 bps | |
| Loan Growth (YoY) | -13.82% | -13.29% | -11.49% | -15.70% | -16.05% | -223 bps | |
| Share Growth (YoY) | -2.45% | -3.77% | 7.26% | 6.33% | 10.23% | +1,269 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.11% | 4.11% | 5.96% | 8.54% | 8.33% | +222 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 | 16.84% | 16.30% | 14.65% | 16.43% | 15.49% | -134 bps | |
| Net Worth / Assets | 16.84% | 16.30% | 14.65% | 16.43% | 15.49% | -134 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.99% | 59.14% | 50.84% | 47.90% | 46.44% | -1,454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Scranton, PA · Charter 62998 · Peer group: credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (n=19)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.63%
Rank 19 of 19
Net Interest Margin
2.38%
Rank 17 of 19
Efficiency Ratio
120.83%
Rank 19 of 19
Equity / Assets
15.49%
Rank 7 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.63% | 0.36% | 0.65% | 1.51% | Beats 0% | 19 / 19 | |
| Return on Equity | -4.06% | 3.11% | 5.16% | 9.66% | Beats 0% | 19 / 19 | |
| Net Interest Margin | 2.38% | 2.83% | 3.48% | 3.92% | Beats 11% | 17 / 19 | |
| Efficiency Ratio | 120.83% | 64.52% | 76.38% | 86.65% | Beats 5% | 19 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 8.34% | 0.69% | 1.18% | 2.86% | Beats 5% | 19 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.49% | 10.19% | 14.85% | 16.23% | Beats 63% | 7 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.49% | 10.19% | 14.85% | 16.23% | Beats 63% | 7 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.44% | 35.75% | 48.22% | 63.39% | 42nd pctl | 11 / 19 | |
| Loans / Assets | 39.22% | 30.68% | 41.12% | 52.54% | 42nd pctl | 11 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||