1st Ed Credit Union
Chambersburg, PA · Charter 65412 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 3 branches
Q2 2026
$138.2MAssets
$43.2MLoans
$117.3MShares
$21.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 69% of credit unions under $1B in assets in PA (rank 22 of 72).
- Widest gap: net interest margin trails 90% of credit unions under $1B in assets in PA (rank 65 of 72).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.42%
Rank 61 of 72
Net Interest Margin
2.59%
Rank 65 of 72
Efficiency Ratio
85.90%
Rank 63 of 72
Equity / Assets
15.87%
Rank 22 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.59% | 1.06% | 1.40% | Beats 15% | 61 / 72 | | |
| Return on Equity | 2.64% | 5.27% | 7.11% | 9.91% | Beats 13% | 63 / 72 | | |
| Net Interest Margin | 2.59% | 3.09% | 3.57% | 4.10% | Beats 10% | 65 / 72 | | |
| Efficiency Ratio | 85.90% | 64.37% | 73.67% | 81.63% | Beats 14% | 63 / 72 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.20% | 0.58% | 1.09% | Beats 56% | 33 / 72 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.87% | 10.74% | 12.96% | 16.84% | Beats 69% | 22 / 72 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.87% | 10.74% | 12.96% | 16.84% | Beats 69% | 22 / 72 | | |
| Liquidity & Funding |
| Loans / Deposits | 36.86% | 34.39% | 52.54% | 65.98% | 28th pctl | 52 / 72 | | |
| Loans / Assets | 31.30% | 30.23% | 45.37% | 57.67% | 29th pctl | 51 / 72 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |