Greensburg, PA · Charter 13180
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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=89). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
82
Asset Quality
69
Profitability
31
Liquidity
0
Efficiency
67
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.
Greensburg, PA · Charter 13180
NCUA · 1 branch
Q3 2025
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.82% | 0.55% | 0.77% | 0.84% | +14 bps | |
| Return on Equity | 3.61% | 4.17% | 2.73% | 3.69% | 3.95% | +34 bps | |
| Net Interest Margin | 2.17% | 2.29% | 2.10% | 2.37% | 2.52% | +35 bps | |
| Efficiency Ratio | 66.81% | 63.36% | 72.66% | 66.59% | 65.74% | -106 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.16% | -7.12% | -5.02% | -5.24% | -5.23% | +293 bps | |
| Loan Growth (YoY) | -6.12% | 2.38% | 8.64% | 0.65% | -3.83% | +229 bps | |
| Share Growth (YoY) | -10.61% | -9.57% | -7.25% | -7.51% | -7.62% | +299 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.40% | 5.30% | 4.97% | 0.38% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.46% | 2.40% | 2.45% | 2.62% | 2.67% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.36% | 19.62% | 20.22% | 20.94% | 21.29% | +193 bps | |
| Net Worth / Assets | 19.36% | 19.62% | 20.22% | 20.94% | 21.29% | +193 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.93% | 26.03% | 26.63% | 25.95% | 25.95% | +102 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Greensburg, PA · Charter 13180 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=89)
NCUA · 1 branch
Q3 2025
Return on Assets
0.84%
Rank 46 of 89
Net Interest Margin
2.51%
Rank 81 of 89
Efficiency Ratio
65.66%
Rank 30 of 89
Equity / Assets
21.28%
Rank 16 of 89
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.46% | 0.84% | 1.47% | Beats 48% | 46 / 89 | |
| Return on Equity | 3.93% | 2.64% | 5.74% | 9.98% | Beats 37% | 56 / 89 | |
| Net Interest Margin | 2.51% | 2.99% | 3.59% | 4.24% | Beats 9% | 81 / 89 | |
| Efficiency Ratio | 65.66% | 60.43% | 73.61% | 85.91% | Beats 67% | 30 / 89 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.37% | 0.19% | 0.80% | 2.07% | Beats 69% | 29 / 89 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.29% | 12.00% | 14.48% | 18.40% | Beats 82% | 16 / 89 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.28% | 12.00% | 14.47% | 18.40% | Beats 82% | 16 / 89 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 25.95% | 35.89% | 52.93% | 70.20% | 7th pctl | 83 / 89 | |
| Loans / Assets | 20.33% | 30.38% | 44.12% | 58.33% | 7th pctl | 83 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||