Pottsville, PA · Charter 64932
NCUA · 4 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
12
Asset Quality
72
Profitability
61
Liquidity
27
Efficiency
83
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.
Pottsville, PA · Charter 64932
NCUA · 4 branches
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 | 0.78% | 0.96% | 0.93% | 0.94% | 1.07% | 0.97% | 1.30% | 1.14% | +19 bps | |
| Return on Equity | 9.05% | 10.87% | 10.76% | 10.61% | 11.66% | 10.57% | 14.18% | 12.28% | +167 bps | |
| Net Interest Margin | 2.53% | 2.56% | 2.76% | 2.77% | 2.90% | 2.87% | 3.19% | 3.08% | +31 bps | |
| Efficiency Ratio | 68.92% | 65.25% | 67.70% | 66.42% | 64.33% | 65.95% | 62.63% | 64.78% | -164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.57% | 5.35% | 7.00% | 7.30% | 8.04% | 7.76% | 6.74% | 8.43% | +113 bps | |
| Loan Growth (YoY) | 9.92% | 11.38% | 12.43% | 8.62% | 6.48% | 6.37% | 7.25% | 8.27% | -35 bps | |
| Share Growth (YoY) | 3.32% | 4.94% | 6.76% | 7.27% | 7.39% | 7.57% | 6.18% | 7.61% | +34 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.63% | 0.51% | 0.45% | 0.40% | 0.27% | 0.36% | 0.31% | -14 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 | 8.63% | 8.83% | 8.67% | 8.89% | 9.15% | 9.16% | 9.17% | 9.25% | +36 bps | |
| Net Worth / Assets | 8.63% | 8.83% | 8.67% | 8.89% | 9.15% | 9.16% | 9.17% | 9.25% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.73% | 48.10% | 46.47% | 46.55% | 47.32% | 47.57% | 46.94% | 46.83% | +29 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pottsville, PA · Charter 64932 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.14%
Rank 468 of 1,683
Net Interest Margin
3.08%
Rank 1,404 of 1,683
Efficiency Ratio
64.78%
Rank 289 of 1,682
Equity / Assets
9.25%
Rank 1,476 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.14% | 0.35% | 0.74% | 1.18% | Beats 72% | 468 / 1,683 | ||
| Return on Equity | 12.28% | 2.67% | 5.89% | 8.74% | Beats 93% | 123 / 1,681 | ||
| Net Interest Margin | 3.08% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,404 / 1,683 | ||
| Efficiency Ratio | 64.78% | 68.91% | 78.20% | 86.93% | Beats 83% | 289 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.26% | 0.65% | 1.29% | Beats 72% | 474 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.25% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,476 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.25% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,476 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.83% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,375 / 1,683 | ||
| Loans / Assets | 42.47% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,314 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||