Williamsport Teachers
South Williamsp, PA · Charter 65211 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
$15.6MAssets
$6.6MLoans
$12.5MShares
$3.0MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 78% of credit unions under $1B in assets in PA (rank 16 of 72).
- Widest gap: return on equity trails 81% of credit unions under $1B in assets in PA (rank 58 of 72).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.71%
Rank 48 of 72
Net Interest Margin
3.26%
Rank 51 of 72
Efficiency Ratio
78.71%
Rank 45 of 72
Equity / Assets
19.53%
Rank 16 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.59% | 1.06% | 1.40% | Beats 33% | 48 / 72 | | |
| Return on Equity | 3.62% | 5.27% | 7.11% | 9.91% | Beats 19% | 58 / 72 | | |
| Net Interest Margin | 3.26% | 3.09% | 3.57% | 4.10% | Beats 29% | 51 / 72 | | |
| Efficiency Ratio | 78.71% | 64.37% | 73.67% | 81.63% | Beats 39% | 45 / 72 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.20% | 0.58% | 1.09% | Beats 51% | 36 / 72 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.53% | 10.74% | 12.96% | 16.84% | Beats 78% | 16 / 72 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.53% | 10.74% | 12.96% | 16.84% | Beats 78% | 16 / 72 | | |
| Liquidity & Funding |
| Loans / Deposits | 52.91% | 34.39% | 52.54% | 65.98% | 53rd pctl | 34 / 72 | | |
| Loans / Assets | 42.32% | 30.23% | 45.37% | 57.67% | 43rd pctl | 41 / 72 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |