North East, PA · Charter 8687
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 in PA (n=72). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
18
Profitability
77
Liquidity
45
Efficiency
58
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.
North East, PA · Charter 8687
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 | 1.38% | 1.48% | 2.08% | 2.04% | 2.04% | 2.00% | 1.22% | 1.44% | -60 bps | |
| Return on Equity | 8.94% | 9.47% | 13.32% | 12.46% | 11.89% | 11.72% | 7.34% | 8.53% | -393 bps | |
| Net Interest Margin | 4.81% | 4.79% | 4.66% | 4.84% | 4.96% | 4.81% | 4.61% | 4.63% | -21 bps | |
| Efficiency Ratio | 72.25% | 69.90% | 62.81% | 63.96% | 64.80% | 64.52% | 72.49% | 70.98% | +702 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.01% | 2.08% | 0.97% | 0.26% | 1.30% | 3.91% | 4.65% | 7.75% | +748 bps | |
| Loan Growth (YoY) | 11.95% | 14.82% | 12.96% | 15.10% | 4.17% | -0.74% | 2.75% | 0.44% | -1,467 bps | |
| Share Growth (YoY) | -2.49% | 0.54% | -0.62% | -2.02% | -0.38% | 2.11% | 3.02% | 7.12% | +914 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 1.41% | 1.04% | 0.99% | 0.79% | 0.54% | 0.85% | 1.37% | +39 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 | 15.38% | 15.66% | 15.62% | 16.35% | 17.17% | 17.07% | 16.65% | 16.84% | +49 bps | |
| Net Worth / Assets | 15.38% | 15.66% | 15.62% | 16.35% | 17.17% | 17.07% | 16.65% | 16.84% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.00% | 69.74% | 66.39% | 70.37% | 72.14% | 67.79% | 66.22% | 65.98% | -439 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
North East, PA · Charter 8687 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
Return on Assets
1.43%
Rank 17 of 72
Net Interest Margin
4.62%
Rank 3 of 72
Efficiency Ratio
70.96%
Rank 31 of 72
Equity / Assets
16.84%
Rank 18 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.43% | 0.59% | 1.06% | 1.40% | Beats 76% | 17 / 72 | ||
| Return on Equity | 8.51% | 5.27% | 7.11% | 9.91% | Beats 58% | 30 / 72 | ||
| Net Interest Margin | 4.62% | 3.09% | 3.57% | 4.10% | Beats 96% | 3 / 72 | ||
| Efficiency Ratio | 70.96% | 64.37% | 73.67% | 81.63% | Beats 58% | 31 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.37% | 0.20% | 0.58% | 1.09% | Beats 18% | 60 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.84% | 10.74% | 12.96% | 16.84% | Beats 75% | 18 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.84% | 10.74% | 12.96% | 16.84% | Beats 75% | 18 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.98% | 34.39% | 52.54% | 65.98% | 75th pctl | 18 / 72 | ||
| Loans / Assets | 54.42% | 30.23% | 45.37% | 57.67% | 69th pctl | 22 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||