Washington, PA · Charter 10047
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 in the Pittsburgh, PA area (n=78). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
100
Profitability
48
Liquidity
9
Efficiency
40
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.
Washington, PA · Charter 10047
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 | -0.54% | -0.52% | -0.52% | -0.03% | 0.46% | 0.48% | 0.60% | 0.77% | +81 bps | |
| Return on Equity | -6.20% | -5.88% | -5.94% | -0.39% | 4.83% | 5.17% | 6.55% | 8.08% | +847 bps | |
| Net Interest Margin | 2.26% | 2.34% | 2.39% | 2.57% | 2.80% | 2.76% | 3.15% | 3.30% | +73 bps | |
| Efficiency Ratio | 115.70% | 114.55% | 117.06% | 102.00% | 90.22% | 89.48% | 85.92% | 82.78% | -1,922 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.43% | -8.15% | -13.30% | -8.93% | -6.09% | -2.50% | 2.28% | 0.69% | +962 bps | |
| Loan Growth (YoY) | -4.89% | -3.08% | -6.94% | -11.49% | -11.11% | -11.09% | -17.15% | -17.96% | -646 bps | |
| Share Growth (YoY) | -10.98% | -11.57% | -13.86% | -9.27% | -4.65% | 0.39% | 1.74% | -0.13% | +914 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.25% | 0.00% | 0.19% | 0.19% | 0.20% | 0.22% | 0.00% | -19 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 | 8.76% | 8.78% | 8.78% | 8.83% | 9.53% | 9.39% | 9.23% | 9.54% | +71 bps | |
| Net Worth / Assets | 8.76% | 8.78% | 8.78% | 8.83% | 9.53% | 9.39% | 9.23% | 9.54% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.95% | 37.68% | 35.56% | 34.42% | 35.38% | 33.37% | 28.95% | 28.28% | -614 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Washington, PA · Charter 10047 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
0.78%
Rank 40 of 78
Net Interest Margin
3.31%
Rank 55 of 78
Efficiency Ratio
82.72%
Rank 48 of 78
Equity / Assets
9.54%
Rank 73 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.78% | 0.37% | 0.83% | 1.31% | Beats 49% | 40 / 78 | ||
| Return on Equity | 8.16% | 1.73% | 5.71% | 9.08% | Beats 65% | 27 / 78 | ||
| Net Interest Margin | 3.31% | 3.17% | 3.63% | 4.21% | Beats 29% | 55 / 78 | ||
| Efficiency Ratio | 82.72% | 65.01% | 78.15% | 89.28% | Beats 40% | 48 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.40% | 0.84% | 1.97% | Beats 100% | 3 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.54% | 12.42% | 15.10% | 18.27% | Beats 6% | 73 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.54% | 12.42% | 15.10% | 18.27% | Beats 6% | 73 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 28.28% | 34.83% | 50.41% | 71.84% | 14th pctl | 67 / 78 | ||
| Loans / Assets | 25.58% | 29.34% | 41.02% | 56.96% | 17th pctl | 65 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||