Hazleton, PA · Charter 64833
NCUA · 1 branch
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
89
Asset Quality
32
Profitability
54
Liquidity
34
Efficiency
100
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.
Hazleton, PA · Charter 64833
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.05% | 2.13% | 1.35% | 1.59% | 1.67% | 1.64% | 1.39% | 1.54% | -5 bps | |
| Return on Equity | 11.33% | 10.92% | 6.91% | 8.05% | 8.20% | 7.93% | 6.74% | 7.09% | -97 bps | |
| Net Interest Margin | 2.82% | 2.88% | 2.54% | 2.58% | 2.64% | 2.62% | 2.63% | 2.70% | +12 bps | |
| Efficiency Ratio | 30.48% | 29.31% | 49.23% | 40.51% | 39.69% | 40.63% | 48.85% | 45.07% | +457 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.73% | -0.01% | -0.51% | -0.97% | -0.82% | 2.56% | 2.59% | -1.47% | -50 bps | |
| Loan Growth (YoY) | -1.55% | -4.02% | -4.15% | -4.83% | -3.55% | -2.29% | -2.58% | -6.28% | -145 bps | |
| Share Growth (YoY) | -1.27% | -2.37% | -2.79% | -3.48% | -3.28% | 0.63% | 1.15% | -3.86% | -38 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 1.01% | 1.15% | 1.17% | 1.33% | 1.31% | 1.39% | 1.96% | +79 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.11% | 19.51% | 19.47% | 19.80% | 20.37% | 20.69% | 20.60% | 21.75% | +195 bps | |
| Net Worth / Assets | 18.11% | 19.51% | 19.47% | 19.80% | 20.37% | 20.69% | 20.60% | 21.75% | +195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.88% | 38.73% | 36.82% | 36.67% | 37.77% | 37.61% | 35.46% | 35.74% | -92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hazleton, PA · Charter 64833 · Peer group: credit unions under $1B in assets in the Scranton--Wilkes-Barre, PA area (n=19)
NCUA · 1 branch
Q2 2026
Return on Assets
1.54%
Rank 4 of 19
Net Interest Margin
2.70%
Rank 16 of 19
Efficiency Ratio
45.07%
Rank 1 of 19
Equity / Assets
21.75%
Rank 2 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.54% | 0.36% | 0.65% | 1.51% | Beats 79% | 4 / 19 | ||
| Return on Equity | 7.09% | 3.11% | 5.16% | 9.66% | Beats 68% | 6 / 19 | ||
| Net Interest Margin | 2.70% | 2.83% | 3.48% | 3.92% | Beats 16% | 16 / 19 | ||
| Efficiency Ratio | 45.07% | 64.52% | 76.38% | 86.65% | Beats 100% | 1 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.96% | 0.69% | 1.18% | 2.86% | Beats 32% | 14 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.75% | 10.19% | 14.85% | 16.23% | Beats 89% | 2 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.75% | 10.19% | 14.85% | 16.23% | Beats 89% | 2 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 35.75% | 35.75% | 48.22% | 63.39% | 21st pctl | 15 / 19 | ||
| Loans / Assets | 27.97% | 30.68% | 41.12% | 52.54% | 16th pctl | 16 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||