Glatco
Spring Grove, PA · Charter 63943 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 3 branches
Q2 2026
$54.1MAssets
$9.6MLoans
$45.3MShares
$8.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 87% of credit unions under $1B in assets in PA (rank 10 of 72).
- Widest gap: nonperforming loans / loans trails 65% of credit unions under $1B in assets in PA (rank 48 of 72).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.61%
Rank 11 of 72
Net Interest Margin
3.50%
Rank 37 of 72
Efficiency Ratio
55.77%
Rank 10 of 72
Equity / Assets
16.22%
Rank 21 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.59% | 1.06% | 1.40% | Beats 85% | 11 / 72 | | |
| Return on Equity | 9.91% | 5.27% | 7.11% | 9.91% | Beats 75% | 18 / 72 | | |
| Net Interest Margin | 3.50% | 3.09% | 3.57% | 4.10% | Beats 49% | 37 / 72 | | |
| Efficiency Ratio | 55.77% | 64.37% | 73.67% | 81.63% | Beats 87% | 10 / 72 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.20% | 0.58% | 1.09% | Beats 35% | 48 / 72 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.22% | 10.74% | 12.96% | 16.84% | Beats 71% | 21 / 72 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.22% | 10.74% | 12.96% | 16.84% | Beats 71% | 21 / 72 | | |
| Liquidity & Funding |
| Loans / Deposits | 21.16% | 34.39% | 52.54% | 65.98% | 3rd pctl | 70 / 72 | | |
| Loans / Assets | 17.71% | 30.23% | 45.37% | 57.67% | 6th pctl | 68 / 72 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |