West Branch Valley
Williamsport, PA · Charter 7821 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 2 branches
Q2 2026
$50.8MAssets
$33.7MLoans
$45.4MShares
$4.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 96% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 1 of 24).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 21 of 24).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.22%
Rank 4 of 24
Net Interest Margin
4.01%
Rank 6 of 24
Efficiency Ratio
72.76%
Rank 10 of 24
Equity / Assets
9.44%
Rank 21 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.41% | 0.67% | 1.12% | Beats 83% | 4 / 24 | | |
| Return on Equity | 12.94% | 2.16% | 5.02% | 6.69% | Beats 96% | 1 / 24 | | |
| Net Interest Margin | 4.01% | 3.10% | 3.61% | 4.01% | Beats 75% | 6 / 24 | | |
| Efficiency Ratio | 72.76% | 71.14% | 80.00% | 84.92% | Beats 62% | 10 / 24 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.07% | 0.54% | 1.38% | Beats 70% | 8 / 23 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.44% | 10.05% | 16.75% | 21.42% | Beats 13% | 21 / 24 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.44% | 10.05% | 16.75% | 21.42% | Beats 13% | 21 / 24 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.26% | 42.86% | 62.34% | 82.18% | 65th pctl | 8 / 23 | | |
| Loans / Assets | 66.34% | 32.11% | 55.16% | 70.89% | 71st pctl | 7 / 24 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |