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Pittsburgh City Hall Employees

Pittsburgh, PA · Charter 1239

NCUA · 1 branch

Q2 2026

$55.9MAssets
$22.8MLoans
$54.2MShares
$5.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.15%, up 60 bps year over year; NIM at 1.68%.
  • Asset quality: problem loans at 1.18% of loans (+32 bps YoY).
  • Capital: net worth / assets of 9.06%, up 7 bps from a year ago.
  • Funding: loans stand at 42.12% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.15%+60 bps YoY

Net Interest Margin (quarter, annualized)

1.68%+34 bps YoY

Efficiency Ratio (quarter, annualized)

102.51%-3,198 bps YoY

Net Worth / Assets

9.06%+7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.75%-0.62%-0.53%-0.16%-0.15%+60 bps
Return on Equity-8.34%-6.99%-6.00%-1.78%-1.64%+671 bps
Net Interest Margin1.34%1.45%1.51%1.63%1.68%+34 bps
Efficiency Ratio134.49%123.04%121.35%101.74%102.51%-3,198 bps
Growth
Asset Growth (YoY)4.30%1.29%0.27%-1.36%-3.22%-752 bps
Loan Growth (YoY)3.53%2.77%1.26%0.18%-2.91%-644 bps
Share Growth (YoY)3.21%1.03%-2.06%-2.30%-4.14%-735 bps
Asset Quality
Delinquent Loans / Loans0.87%0.86%0.76%1.40%1.18%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.99%8.86%8.84%8.89%9.06%+7 bps
Net Worth / Assets8.99%8.86%8.84%8.89%9.06%+7 bps
Liquidity & Funding
Loans / Shares41.59%39.72%37.62%36.25%42.12%+53 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps