Guthrie Community Federal Credit Union
Total assets
$124.4M
▲ +3.6% YoY
Shares & deposits
$114.0M
▲ +2.5% YoY
Loans
$61.6M
▲ +2.0% YoY
Members
7,300
▲ +0.2% YoY
ROA (annualized)
0.41%
peers 0.69%
ROE (annualized)
3.86%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +3.9% | -0.3 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | +2.0% | +2.9% | -0.9 pts |
| ROA | 0.41% | 0.69% | -0.3 pts |
| ROE | 3.9% | 5.9% | -2.1 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
Profile
- Established
- 1979
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 104 N Elmer Ave, Sayre, PA, 18840
- NCUA charter #
- 23394
- RSSD ID
- 879783
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $124.4M | $114.0M | $61.6M | $13.2M | $128K | 0.41% | 2.80% | 0.66% | 7,300 |
| Q4 2025 | $120.7M | $110.6M | $62.1M | $13.1M | $481K | 0.40% | 2.83% | 0.62% | 7,337 |
| Q3 2025 | $118.5M | $108.7M | $61.9M | $13.0M | $344K | 0.39% | 2.89% | 0.41% | 7,356 |
| Q2 2025 | $120.3M | $111.2M | $61.4M | $12.9M | $206K | 0.34% | 2.82% | 0.59% | 7,325 |
| Q1 2025 | $120.0M | $111.3M | $60.4M | $12.8M | $91K | 0.30% | 2.72% | 0.66% | 7,288 |
| Q4 2024 | $114.9M | $107.0M | $57.8M | $12.7M | $473K | 0.41% | 2.77% | 0.37% | 7,317 |
| Q3 2024 | $114.8M | $106.0M | $52.3M | $12.7M | $415K | 0.48% | 2.75% | 0.46% | 7,324 |
| Q2 2024 | $112.6M | $105.0M | $51.6M | $12.6M | $364K | 0.65% | 2.78% | 0.64% | 7,331 |
Loan mix (Q1 2026): real estate $35.1M · commercial $4.2M · consumer $19.8M · securities $37.6M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.69% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 5.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.62% | 9th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 78.7% | 74th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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