Tarentum, PA · Charter 10264
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, 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=93). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
100
Profitability
1
Liquidity
16
Efficiency
1
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.
Tarentum, PA · Charter 10264
NCUA · 1 branch
Q1 2025
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.64% | -2.60% | -2.75% | -2.80% | -2.88% | -2.14% | -2.07% | -10.52% | -772 bps | |
| Return on Equity | -19.11% | -16.98% | -18.02% | -19.35% | -20.53% | -14.64% | -14.27% | -77.46% | -5,811 bps | |
| Net Interest Margin | 2.54% | 2.97% | 3.07% | 3.46% | 3.36% | 3.62% | 3.61% | 1.32% | -214 bps | |
| Efficiency Ratio | 171.45% | 166.23% | 166.84% | 166.55% | 183.52% | 157.12% | 155.52% | 828% | +66,131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.33% | -19.60% | -19.85% | -16.13% | -14.52% | -8.50% | -6.92% | -17.80% | -168 bps | |
| Loan Growth (YoY) | 36.75% | 47.57% | 45.03% | 17.71% | 16.02% | 1.38% | 2.40% | -16.91% | -3,462 bps | |
| Share Growth (YoY) | -6.39% | -20.81% | -20.64% | -16.47% | -14.74% | -7.74% | -6.13% | -16.93% | -46 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 0.57% | 2.61% | 0.00% | 4.19% | 0.00% | 2.01% | 0.00% | 0 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 | 1.86% | 1.12% | 0.91% | 0.97% | 0.68% | 0.75% | 0.78% | 0.86% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.83% | 15.33% | 15.28% | 14.48% | 14.01% | 14.60% | 14.52% | 13.58% | -89 bps | |
| Net Worth / Assets | 13.83% | 15.33% | 15.28% | 14.48% | 14.01% | 14.60% | 14.52% | 13.58% | -89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.94% | 69.98% | 70.05% | 76.17% | 77.49% | 76.90% | 76.41% | 76.19% | +2 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tarentum, PA · Charter 10264 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=93)
NCUA · 1 branch
Q1 2025
Return on Assets
-10.72%
Rank 93 of 93
Net Interest Margin
1.46%
Rank 89 of 93
Efficiency Ratio
833%
Rank 93 of 93
Equity / Assets
13.52%
Rank 52 of 93
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -10.72% | 0.14% | 0.83% | 1.30% | Beats 0% | 93 / 93 | ||
| Return on Equity | -79.28% | 0.83% | 5.02% | 9.86% | Beats 0% | 93 / 93 | ||
| Net Interest Margin | 1.46% | 2.76% | 3.50% | 4.13% | Beats 4% | 89 / 93 | ||
| Efficiency Ratio | 833% | 63.64% | 75.47% | 88.11% | Beats 1% | 93 / 93 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.71% | 2.25% | Beats 100% | 12 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.58% | 11.45% | 14.14% | 17.39% | Beats 44% | 52 / 93 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.52% | 11.45% | 14.14% | 17.39% | Beats 44% | 52 / 93 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.19% | 34.88% | 49.52% | 68.22% | 82nd pctl | 17 / 93 | ||
| Loans / Assets | 65.77% | 28.24% | 41.63% | 58.09% | 81st pctl | 18 / 93 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||