People First
Allentown, PA · Charter 6885 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
$1.0BAssets
$755.1MLoans
$968.2MShares
$79.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 81% of credit unions $1B-$10B in assets (rank 82 of 435).
- Widest gap: equity / assets trails 99% of credit unions $1B-$10B in assets (rank 431 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.36%
Rank 377 of 435
Net Interest Margin
3.86%
Rank 82 of 435
Efficiency Ratio
80.36%
Rank 367 of 435
Equity / Assets
7.59%
Rank 431 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.36% | 0.55% | 0.81% | 1.14% | Beats 13% | 377 / 435 | |
| Return on Equity | 4.76% | 5.12% | 7.41% | 9.70% | Beats 22% | 339 / 435 | |
| Net Interest Margin | 3.86% | 3.01% | 3.39% | 3.75% | Beats 81% | 82 / 435 | |
| Efficiency Ratio | 80.36% | 65.25% | 71.39% | 77.86% | Beats 16% | 367 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.10% | 0.45% | 0.69% | 1.05% | Beats 22% | 341 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.59% | 9.81% | 10.84% | 12.63% | Beats 1% | 431 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.59% | 9.81% | 10.84% | 12.63% | Beats 1% | 431 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 77.99% | 78.33% | 88.38% | 95.61% | 24th pctl | 331 / 435 | |
| Loans / Assets | 72.55% | 67.69% | 74.58% | 80.80% | 41st pctl | 257 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |