Hidden River
Pottsville, PA · Charter 64932 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$258.8MAssets
$109.9MLoans
$234.7MShares
$23.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 93% of credit unions under $1B in assets (rank 123 of 1681).
- Widest gap: equity / assets trails 88% of credit unions under $1B in assets (rank 1476 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |