White Rose
York, PA · Charter 68296 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 6 branches
Q2 2026
$115.5MAssets
$55.6MLoans
$104.3MShares
$10.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 85% of credit unions under $1B in assets in PA (rank 11 of 72).
- Widest gap: equity / assets trails 93% of credit unions under $1B in assets in PA (rank 67 of 72).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.51%
Rank 57 of 72
Net Interest Margin
4.23%
Rank 11 of 72
Efficiency Ratio
86.41%
Rank 64 of 72
Equity / Assets
8.91%
Rank 67 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.59% | 1.06% | 1.40% | Beats 21% | 57 / 72 | | |
| Return on Equity | 5.70% | 5.27% | 7.11% | 9.91% | Beats 29% | 51 / 72 | | |
| Net Interest Margin | 4.23% | 3.09% | 3.57% | 4.10% | Beats 85% | 11 / 72 | | |
| Efficiency Ratio | 86.41% | 64.37% | 73.67% | 81.63% | Beats 12% | 64 / 72 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.20% | 0.58% | 1.09% | Beats 67% | 25 / 72 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.91% | 10.74% | 12.96% | 16.84% | Beats 7% | 67 / 72 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.91% | 10.74% | 12.96% | 16.84% | Beats 7% | 67 / 72 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.26% | 34.39% | 52.54% | 65.98% | 54th pctl | 33 / 72 | | |
| Loans / Assets | 48.13% | 30.23% | 45.37% | 57.67% | 54th pctl | 33 / 72 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |