Pittsburgh, PA · Charter 1239
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
4
Asset Quality
40
Profitability
4
Liquidity
69
Efficiency
6
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.
Pittsburgh, PA · Charter 1239
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 | -0.84% | -0.93% | -0.67% | -0.75% | -0.62% | -0.53% | -0.16% | -0.15% | +60 bps | |
| Return on Equity | -8.65% | -9.86% | -7.36% | -8.34% | -6.99% | -6.00% | -1.78% | -1.64% | +671 bps | |
| Net Interest Margin | 1.45% | 1.37% | 1.28% | 1.34% | 1.45% | 1.51% | 1.63% | 1.68% | +34 bps | |
| Efficiency Ratio | 127.46% | 135.27% | 136.54% | 134.49% | 123.04% | 121.35% | 101.74% | 102.51% | -3,198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.48% | 6.47% | 6.32% | 4.30% | 1.29% | 0.27% | -1.36% | -3.22% | -752 bps | |
| Loan Growth (YoY) | 21.51% | -12.18% | -13.40% | 3.53% | 2.77% | 1.26% | 0.18% | -2.91% | -644 bps | |
| Share Growth (YoY) | 15.96% | 6.03% | 3.79% | 3.21% | 1.03% | -2.06% | -2.30% | -4.14% | -735 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 0.96% | 1.10% | 0.87% | 0.86% | 0.76% | 1.40% | 1.18% | +32 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 | 9.74% | 9.39% | 9.17% | 8.99% | 8.86% | 8.84% | 8.89% | 9.06% | +7 bps | |
| Net Worth / Assets | 9.74% | 9.39% | 9.17% | 8.99% | 8.86% | 8.84% | 8.89% | 9.06% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.05% | 36.38% | 35.35% | 41.59% | 39.72% | 37.62% | 36.25% | 42.12% | +53 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pittsburgh, PA · Charter 1239 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.15%
Rank 73 of 78
Net Interest Margin
1.68%
Rank 77 of 78
Efficiency Ratio
102.35%
Rank 74 of 78
Equity / Assets
9.06%
Rank 75 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.15% | 0.37% | 0.83% | 1.31% | Beats 6% | 73 / 78 | ||
| Return on Equity | -1.62% | 1.73% | 5.71% | 9.08% | Beats 6% | 73 / 78 | ||
| Net Interest Margin | 1.68% | 3.17% | 3.63% | 4.21% | Beats 1% | 77 / 78 | ||
| Efficiency Ratio | 102.35% | 65.01% | 78.15% | 89.28% | Beats 6% | 74 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.18% | 0.40% | 0.84% | 1.97% | Beats 40% | 48 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.06% | 12.42% | 15.10% | 18.27% | Beats 4% | 75 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.06% | 12.42% | 15.10% | 18.27% | Beats 4% | 75 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.12% | 34.83% | 50.41% | 71.84% | 37th pctl | 49 / 78 | ||
| Loans / Assets | 40.79% | 29.34% | 41.02% | 56.96% | 47th pctl | 41 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||