North East Welch
North East, PA · Charter 8687 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
$26.0MAssets
$14.1MLoans
$21.4MShares
$4.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets in PA (rank 3 of 72).
- Widest gap: nonperforming loans / loans trails 82% of credit unions under $1B in assets in PA (rank 60 of 72).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 |