Washington, PA · Charter 13035
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
19
Asset Quality
81
Profitability
43
Liquidity
87
Efficiency
50
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.
Washington, PA · Charter 13035
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 1.23% | 1.21% | 0.92% | 0.83% | -37 bps | |
| Return on Equity | 10.54% | 10.46% | 10.29% | 7.91% | 7.15% | -339 bps | |
| Net Interest Margin | 3.26% | 3.30% | 3.29% | 3.09% | 3.00% | -25 bps | |
| Efficiency Ratio | 71.13% | 69.49% | 69.09% | 69.42% | 78.11% | +698 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.74% | 4.72% | 5.20% | 5.68% | 7.27% | +252 bps | |
| Loan Growth (YoY) | 5.86% | 9.19% | 11.67% | 9.74% | 12.39% | +653 bps | |
| Share Growth (YoY) | 3.19% | 3.35% | 3.56% | 4.31% | 6.39% | +319 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.33% | 0.44% | 0.33% | 0.25% | -25 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.40% | 11.74% | 11.80% | 11.62% | 11.64% | +24 bps | |
| Net Worth / Assets | 11.40% | 11.74% | 11.80% | 11.62% | 11.64% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.66% | 45.78% | 46.06% | 44.46% | 46.12% | +246 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Washington, PA · Charter 13035 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
0.83%
Rank 39 of 78
Net Interest Margin
3.00%
Rank 62 of 78
Efficiency Ratio
78.15%
Rank 40 of 78
Equity / Assets
11.64%
Rank 63 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.37% | 0.83% | 1.31% | Beats 50% | 39 / 78 | |
| Return on Equity | 7.15% | 1.73% | 5.71% | 9.08% | Beats 59% | 32 / 78 | |
| Net Interest Margin | 3.00% | 3.17% | 3.63% | 4.21% | Beats 21% | 62 / 78 | |
| Efficiency Ratio | 78.15% | 65.01% | 78.15% | 89.28% | Beats 50% | 40 / 78 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.26% | 0.40% | 0.84% | 1.97% | Beats 81% | 16 / 78 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.64% | 12.42% | 15.10% | 18.27% | Beats 19% | 63 / 78 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.64% | 12.42% | 15.10% | 18.27% | Beats 19% | 63 / 78 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.12% | 34.83% | 50.41% | 71.84% | 45th pctl | 43 / 78 | |
| Loans / Assets | 40.92% | 29.34% | 41.02% | 56.96% | 49th pctl | 40 / 78 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||