Wilkes Barre, Pennsylvania · Peer group 3
Earning Tree Credit Union
Earning Tree Credit Union holds $48.1M in assets across 1,868 members as of Q1 2026 — about $26K of assets per member, on a charter dating to 1958. Charter number 12333, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $48.1M |
|---|---|
| Total loans | $6.7M |
| Total shares (deposits) | $43.3M |
| Net worth | $5.0M |
| Members | 1,868 |
| Assets per member | $26K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 7.0% | |
|---|---|---|
| Loans | 1.5% | around the 69th percentile of its peer group |
| Deposits | 7.0% | around the 85th percentile of its peer group |
| Members | -3.1% | around the 30th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 15.5% | lower than 99% of its peer group |
|---|---|---|
| Net worth ratio | 10.4% | around the 21st percentile of its peer group |
| Return on assets | 0.44% | around the 38th percentile of its peer group |
| Delinquency ratio | 3.08% | higher than 93% of its peer group |
| Cash / assets | 24.9% | higher than 91% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Earning Tree Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Pennsylvania — the comparison set a peer ratio is measured against.
- Vantage Trust Credit Union
WILKES BARRE, PA
$48.0M · 5,048 members
- Bessemer System Credit Union
Greenville, PA
$47.5M · 3,076 members
- Prr South Fork Credit Union
South Fork, PA
$49.1M · 2,487 members
- York Educational Credit Union
York, PA
$46.0M · 2,787 members
- Glass Cap Credit Union
Connellsville, PA
$45.6M · 4,712 members
- West Branch Valley Credit Union
WILLIAMSPORT, PA
$50.7M · 4,560 members
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