Grove City, PA · Charter 6722
NCUA · 2 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
69
Asset Quality
24
Profitability
72
Liquidity
57
Efficiency
93
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.
Grove City, PA · Charter 6722
NCUA · 2 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 | 1.71% | 1.72% | 1.39% | 1.49% | 1.65% | 1.72% | 1.75% | 1.84% | +35 bps | |
| Return on Equity | 11.53% | 11.55% | 9.45% | 10.09% | 10.87% | 11.28% | 11.50% | 12.06% | +197 bps | |
| Net Interest Margin | 3.31% | 3.28% | 3.37% | 3.43% | 3.52% | 3.47% | 3.37% | 3.45% | +2 bps | |
| Efficiency Ratio | 55.50% | 55.49% | 66.37% | 60.59% | 58.71% | 57.67% | 56.95% | 54.61% | -598 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.50% | 7.77% | 7.93% | 10.46% | 9.61% | 10.17% | 9.74% | 9.90% | -56 bps | |
| Loan Growth (YoY) | 0.03% | 0.68% | -1.03% | 1.48% | 4.92% | 6.60% | 5.50% | 5.30% | +381 bps | |
| Share Growth (YoY) | 3.24% | 6.89% | 7.12% | 10.15% | 9.12% | 9.72% | 9.14% | 9.21% | -94 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.70% | 1.96% | 1.77% | 1.33% | 1.28% | 1.36% | 1.36% | 1.33% | 0 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 | 14.85% | 14.92% | 14.74% | 14.77% | 15.19% | 15.22% | 15.17% | 15.26% | +49 bps | |
| Net Worth / Assets | 14.85% | 14.92% | 14.74% | 14.77% | 15.19% | 15.22% | 15.17% | 15.26% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.06% | 60.67% | 57.26% | 58.25% | 60.63% | 58.95% | 55.35% | 56.17% | -209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Grove City, PA · Charter 6722 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.84%
Rank 109 of 1,683
Net Interest Margin
3.45%
Rank 1,160 of 1,683
Efficiency Ratio
54.61%
Rank 112 of 1,682
Equity / Assets
15.26%
Rank 526 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.84% | 0.35% | 0.74% | 1.18% | Beats 94% | 109 / 1,683 | ||
| Return on Equity | 12.06% | 2.67% | 5.89% | 8.74% | Beats 92% | 138 / 1,681 | ||
| Net Interest Margin | 3.45% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,160 / 1,683 | ||
| Efficiency Ratio | 54.61% | 68.91% | 78.20% | 86.93% | Beats 93% | 112 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.33% | 0.26% | 0.65% | 1.29% | Beats 24% | 1,281 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.26% | 10.44% | 12.89% | 16.53% | Beats 69% | 526 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.26% | 10.44% | 12.89% | 16.53% | Beats 69% | 526 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.17% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,186 / 1,683 | ||
| Loans / Assets | 47.56% | 44.71% | 59.18% | 70.72% | 30th pctl | 1,182 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||