Hempfield Area
Greensburg, PA · Charter 13180 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=89)
NCUA · 1 branch
Q3 2025
$5.3MAssets
$1.1MLoans
$4.1MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 82% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 16 of 89).
- Widest gap: net interest margin trails 91% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 81 of 89).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 8-Qtr Trend | 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 |