South Fork, PA · Charter 909
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
81
Asset Quality
85
Profitability
21
Liquidity
99
Efficiency
74
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.
South Fork, PA · Charter 909
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 | 1.44% | 1.45% | 1.34% | 1.34% | 1.32% | 1.25% | 0.78% | 0.85% | -49 bps | |
| Return on Equity | 7.36% | 7.28% | 6.75% | 6.55% | 6.38% | 5.94% | 3.83% | 4.09% | -246 bps | |
| Net Interest Margin | 2.75% | 2.77% | 2.68% | 2.68% | 2.66% | 2.63% | 2.17% | 2.14% | -53 bps | |
| Efficiency Ratio | 49.70% | 49.13% | 51.37% | 52.82% | 53.04% | 55.00% | 67.34% | 64.33% | +1,152 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.78% | -1.62% | 0.31% | -0.70% | 0.53% | 0.47% | 2.80% | 3.23% | +393 bps | |
| Loan Growth (YoY) | 24.48% | 17.03% | 17.16% | 13.67% | 10.61% | 8.29% | 3.77% | 0.37% | -1,330 bps | |
| Share Growth (YoY) | -3.92% | -3.79% | -1.48% | -2.75% | -1.35% | -1.20% | 1.89% | 2.77% | +552 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.09% | 0.17% | 0.17% | 0.26% | 0.30% | 0.16% | 0.10% | -7 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 | 19.50% | 19.86% | 19.88% | 20.41% | 20.76% | 21.01% | 20.41% | 20.75% | +35 bps | |
| Net Worth / Assets | 19.50% | 19.86% | 19.88% | 20.41% | 20.76% | 21.01% | 20.41% | 20.75% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.00% | 50.67% | 51.56% | 53.80% | 56.06% | 55.54% | 52.50% | 52.54% | -126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
South Fork, PA · Charter 909 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
Return on Assets
0.85%
Rank 43 of 72
Net Interest Margin
2.14%
Rank 70 of 72
Efficiency Ratio
64.42%
Rank 20 of 72
Equity / Assets
20.75%
Rank 14 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.59% | 1.06% | 1.40% | Beats 40% | 43 / 72 | ||
| Return on Equity | 4.09% | 5.27% | 7.11% | 9.91% | Beats 21% | 57 / 72 | ||
| Net Interest Margin | 2.14% | 3.09% | 3.57% | 4.10% | Beats 3% | 70 / 72 | ||
| Efficiency Ratio | 64.42% | 64.37% | 73.67% | 81.63% | Beats 74% | 20 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.20% | 0.58% | 1.09% | Beats 85% | 12 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.75% | 10.74% | 12.96% | 16.84% | Beats 81% | 14 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.75% | 10.74% | 12.96% | 16.84% | Beats 81% | 14 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.54% | 34.39% | 52.54% | 65.98% | 50th pctl | 36 / 72 | ||
| Loans / Assets | 41.40% | 30.23% | 45.37% | 57.67% | 42nd pctl | 42 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||