Aps
Charleroi, PA · Charter 838 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
$8.3MAssets
$5.3MLoans
$7.5MShares
$756KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of credit unions under $1B in assets (rank 153 of 1721).
- Widest gap: equity / assets trails 86% of credit unions under $1B in assets (rank 1478 of 1723).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.92%
Rank 610 of 1,724
Net Interest Margin
4.15%
Rank 495 of 1,723
Efficiency Ratio
76.89%
Rank 771 of 1,721
Equity / Assets
9.14%
Rank 1,478 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.25% | 0.67% | 1.13% | Beats 65% | 610 / 1,724 | |
| Return on Equity | 10.05% | 1.95% | 5.34% | 8.54% | Beats 84% | 275 / 1,723 | |
| Net Interest Margin | 4.15% | 3.03% | 3.61% | 4.27% | Beats 71% | 495 / 1,723 | |
| Efficiency Ratio | 76.89% | 69.84% | 78.36% | 87.50% | Beats 55% | 771 / 1,721 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.28% | 0.70% | 1.38% | Beats 91% | 153 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.13% | 10.16% | 12.41% | 16.03% | Beats 14% | 1,480 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.14% | 10.15% | 12.41% | 16.03% | Beats 14% | 1,478 / 1,723 | |
| Liquidity & Funding |
| Loans / Deposits | 71.06% | 55.95% | 72.66% | 85.34% | 47th pctl | 905 / 1,722 | |
| Loans / Assets | 64.57% | 47.91% | 62.00% | 72.82% | 56th pctl | 764 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |