Jerome, PA · Charter 12505
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 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
62
Asset Quality
38
Profitability
22
Liquidity
33
Efficiency
42
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.
Jerome, PA · Charter 12505
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 | 1.21% | 0.26% | 0.93% | 1.16% | 0.74% | 0.05% | 0.36% | 0.46% | -71 bps | |
| Return on Equity | 6.78% | 1.50% | 5.49% | 6.72% | 4.29% | 0.29% | 2.22% | 2.87% | -386 bps | |
| Net Interest Margin | 2.72% | 2.04% | 2.45% | 2.35% | 2.05% | 1.60% | 2.02% | 2.14% | -22 bps | |
| Efficiency Ratio | 56.32% | 88.45% | 72.71% | 71.32% | 79.67% | 113.09% | 86.21% | 79.32% | +800 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.27% | -3.17% | -1.47% | 0.70% | 3.07% | 5.67% | 4.41% | 6.74% | +604 bps | |
| Loan Growth (YoY) | 17.21% | 4.59% | -16.36% | -11.17% | -17.41% | -22.57% | -19.93% | -13.18% | -201 bps | |
| Share Growth (YoY) | -6.03% | -4.05% | -1.91% | 0.92% | 3.93% | 6.91% | 5.52% | 8.59% | +767 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.47% | 0.40% | 0.29% | 0.00% | 0.00% | 1.49% | 1.27% | +98 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 | 1.33% | 1.31% | 1.27% | 0.76% | 0.84% | 0.82% | 0.81% | 0.79% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.90% | 17.19% | 16.90% | 17.26% | 17.29% | 16.31% | 16.10% | 15.90% | -136 bps | |
| Net Worth / Assets | 17.90% | 17.19% | 16.90% | 17.26% | 17.29% | 16.31% | 16.10% | 15.90% | -136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.80% | 48.74% | 42.37% | 42.39% | 38.78% | 35.30% | 32.15% | 33.90% | -850 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jerome, PA · Charter 12505 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 2 branches
Q2 2026
Return on Assets
0.44%
Rank 55 of 78
Net Interest Margin
2.08%
Rank 75 of 78
Efficiency Ratio
81.82%
Rank 46 of 78
Equity / Assets
15.90%
Rank 30 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.44% | 0.37% | 0.83% | 1.31% | Beats 29% | 55 / 78 | ||
| Return on Equity | 2.78% | 1.73% | 5.71% | 9.08% | Beats 32% | 53 / 78 | ||
| Net Interest Margin | 2.08% | 3.17% | 3.63% | 4.21% | Beats 4% | 75 / 78 | ||
| Efficiency Ratio | 81.82% | 65.01% | 78.15% | 89.28% | Beats 42% | 46 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.22% | 0.40% | 0.84% | 1.97% | Beats 38% | 49 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.90% | 12.42% | 15.10% | 18.27% | Beats 62% | 30 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.90% | 12.42% | 15.10% | 18.27% | Beats 62% | 30 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 33.88% | 34.83% | 50.41% | 71.84% | 23rd pctl | 60 / 78 | ||
| Loans / Assets | 28.42% | 29.34% | 41.02% | 56.96% | 23rd pctl | 60 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||