Central Keystone
Sunbury, PA · Charter 9213 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$63.8MAssets
$26.5MLoans
$51.3MShares
$12.0MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 84% of credit unions under $1B in assets (rank 269 of 1682).
- Widest gap: net interest margin trails 86% of credit unions under $1B in assets (rank 1452 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |