Warren, PA · Charter 11391
NCUA · 2 branches
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
66
Asset Quality
85
Profitability
43
Liquidity
0
Efficiency
26
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.
Warren, PA · Charter 11391
NCUA · 2 branches
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 | 2.28% | 1.72% | 0.18% | 0.68% | 0.54% | 0.64% | 0.23% | 0.73% | +4 bps | |
| Return on Equity | 15.22% | 11.36% | 1.19% | 4.56% | 3.57% | 4.16% | 1.57% | 4.94% | +37 bps | |
| Net Interest Margin | 4.74% | 4.76% | 4.25% | 4.03% | 4.01% | 4.00% | 3.50% | 3.57% | -46 bps | |
| Efficiency Ratio | 57.09% | 67.96% | 91.28% | 81.76% | 83.21% | 82.78% | 93.28% | 86.58% | +481 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.40% | 3.93% | 1.29% | 3.14% | 2.29% | 2.82% | 9.23% | 6.12% | +298 bps | |
| Loan Growth (YoY) | 11.98% | 13.69% | 4.26% | -7.77% | -10.08% | -14.17% | -12.64% | -2.52% | +526 bps | |
| Share Growth (YoY) | -3.00% | 2.50% | -0.04% | 2.58% | 2.24% | 2.56% | 10.06% | 6.36% | +378 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.18% | 0.20% | 0.91% | 0.13% | 0.14% | 0.84% | 0.11% | -80 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 | 14.97% | 15.12% | 15.19% | 14.96% | 15.02% | 15.34% | 14.52% | 14.73% | -23 bps | |
| Net Worth / Assets | 14.97% | 15.12% | 15.19% | 14.96% | 15.02% | 15.34% | 14.52% | 14.73% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.21% | 38.32% | 36.44% | 33.10% | 31.85% | 32.07% | 28.92% | 30.34% | -276 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Warren, PA · Charter 11391 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.73%
Rank 848 of 1,683
Net Interest Margin
3.57%
Rank 1,071 of 1,683
Efficiency Ratio
86.44%
Rank 1,242 of 1,682
Equity / Assets
14.73%
Rank 580 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.73% | 0.35% | 0.74% | 1.18% | Beats 50% | 848 / 1,683 | ||
| Return on Equity | 4.96% | 2.67% | 5.89% | 8.74% | Beats 43% | 961 / 1,681 | ||
| Net Interest Margin | 3.57% | 3.31% | 3.82% | 4.32% | Beats 36% | 1,071 / 1,683 | ||
| Efficiency Ratio | 86.44% | 68.91% | 78.20% | 86.93% | Beats 26% | 1,242 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.26% | 0.65% | 1.29% | Beats 85% | 250 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.73% | 10.44% | 12.89% | 16.53% | Beats 66% | 580 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.73% | 10.44% | 12.89% | 16.53% | Beats 66% | 580 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 30.34% | 52.61% | 69.38% | 83.50% | 5th pctl | 1,596 / 1,683 | ||
| Loans / Assets | 25.85% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,589 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||