Uniontown, PA · Charter 10690
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
46
Asset Quality
74
Profitability
74
Liquidity
58
Efficiency
82
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.
Uniontown, PA · Charter 10690
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 | 1.65% | 1.09% | 1.66% | 1.76% | 1.66% | 1.73% | 1.87% | 1.65% | -11 bps | |
| Return on Equity | 12.02% | 8.11% | 12.01% | 12.45% | 11.94% | 11.87% | 13.16% | 11.54% | -91 bps | |
| Net Interest Margin | 3.89% | 3.58% | 3.84% | 4.00% | 3.90% | 3.99% | 3.74% | 3.67% | -33 bps | |
| Efficiency Ratio | 59.84% | 65.27% | 56.31% | 56.25% | 58.41% | 58.13% | 56.14% | 60.54% | +428 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.19% | 0.50% | 2.44% | 6.23% | 8.53% | 5.66% | 11.46% | 12.46% | +623 bps | |
| Loan Growth (YoY) | 58.34% | 39.97% | 30.57% | 17.15% | -3.83% | -10.87% | -1.92% | 23.27% | +612 bps | |
| Share Growth (YoY) | -3.74% | -2.40% | 1.06% | 5.64% | 10.45% | 5.67% | 10.88% | 12.08% | +644 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.50% | 0.37% | 0.37% | 0.60% | 1.74% | 0.69% | 0.41% | +3 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 | 13.69% | 13.48% | 13.79% | 14.12% | 13.93% | 14.61% | 14.18% | 14.27% | +15 bps | |
| Net Worth / Assets | 13.69% | 13.48% | 13.79% | 14.12% | 13.93% | 14.61% | 14.18% | 14.27% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.72% | 64.07% | 60.19% | 57.19% | 55.48% | 54.04% | 53.24% | 62.91% | +571 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Uniontown, PA · Charter 10690 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
1.64%
Rank 14 of 78
Net Interest Margin
3.67%
Rank 38 of 78
Efficiency Ratio
60.48%
Rank 15 of 78
Equity / Assets
14.27%
Rank 42 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 0.37% | 0.83% | 1.31% | Beats 82% | 14 / 78 | ||
| Return on Equity | 11.51% | 1.73% | 5.71% | 9.08% | Beats 88% | 9 / 78 | ||
| Net Interest Margin | 3.67% | 3.17% | 3.63% | 4.21% | Beats 51% | 38 / 78 | ||
| Efficiency Ratio | 60.48% | 65.01% | 78.15% | 89.28% | Beats 82% | 15 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.40% | 0.40% | 0.84% | 1.97% | Beats 74% | 21 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.27% | 12.42% | 15.10% | 18.27% | Beats 46% | 42 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.27% | 12.42% | 15.10% | 18.27% | Beats 46% | 42 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.91% | 34.83% | 50.41% | 71.84% | 65th pctl | 27 / 78 | ||
| Loans / Assets | 53.69% | 29.34% | 41.02% | 56.96% | 65th pctl | 27 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||