Sunbury, PA · Charter 9213
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
47
Profitability
48
Liquidity
42
Efficiency
84
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.
Sunbury, PA · Charter 9213
NCUA · 1 branch
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 | 1.04% | 1.09% | 1.05% | 1.23% | 1.26% | 1.24% | 1.08% | 1.20% | -3 bps | |
| Return on Equity | 5.57% | 5.97% | 5.85% | 6.70% | 6.79% | 6.64% | 5.84% | 6.35% | -35 bps | |
| Net Interest Margin | 2.88% | 2.83% | 2.93% | 3.04% | 3.10% | 3.09% | 2.95% | 3.01% | -3 bps | |
| Efficiency Ratio | 66.53% | 65.09% | 66.20% | 63.15% | 62.61% | 62.01% | 66.17% | 64.20% | +106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.99% | 13.23% | 13.19% | 8.10% | 7.38% | 4.22% | 3.80% | 3.69% | -440 bps | |
| Loan Growth (YoY) | 1.40% | 0.14% | -2.21% | 0.45% | 3.58% | 5.11% | 2.91% | 1.43% | +98 bps | |
| Share Growth (YoY) | 9.48% | 14.70% | 14.31% | 7.33% | 7.67% | 3.43% | 3.19% | 3.47% | -386 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.89% | 0.86% | 0.94% | 0.98% | 0.97% | 0.67% | 0.72% | -22 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 | 18.70% | 18.28% | 17.98% | 18.32% | 18.62% | 18.72% | 18.48% | 18.82% | +50 bps | |
| Net Worth / Assets | 18.70% | 18.28% | 17.98% | 18.32% | 18.62% | 18.72% | 18.48% | 18.82% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.15% | 52.22% | 50.81% | 52.67% | 53.06% | 53.07% | 50.67% | 51.63% | -103 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sunbury, PA · Charter 9213 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.19%
Rank 408 of 1,683
Net Interest Margin
3.01%
Rank 1,452 of 1,683
Efficiency Ratio
64.13%
Rank 269 of 1,682
Equity / Assets
18.82%
Rank 280 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.19% | 0.35% | 0.74% | 1.18% | Beats 76% | 408 / 1,683 | ||
| Return on Equity | 6.35% | 2.67% | 5.89% | 8.74% | Beats 55% | 763 / 1,681 | ||
| Net Interest Margin | 3.01% | 3.31% | 3.82% | 4.32% | Beats 14% | 1,452 / 1,683 | ||
| Efficiency Ratio | 64.13% | 68.91% | 78.20% | 86.93% | Beats 84% | 269 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.72% | 0.26% | 0.65% | 1.29% | Beats 47% | 896 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.82% | 10.44% | 12.89% | 16.53% | Beats 83% | 280 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.82% | 10.44% | 12.89% | 16.53% | Beats 83% | 280 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.63% | 52.61% | 69.38% | 83.50% | 23rd pctl | 1,288 / 1,683 | ||
| Loans / Assets | 41.57% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,327 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||