California, PA · Charter 13503
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
45
Asset Quality
15
Profitability
26
Liquidity
8
Efficiency
8
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.
California, PA · Charter 13503
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 | 0.44% | -0.21% | 0.35% | 0.32% | -0.28% | -0.25% | 0.04% | -0.03% | -35 bps | |
| Return on Equity | 2.96% | -1.48% | 2.52% | 2.29% | -1.90% | -1.75% | 0.29% | -0.25% | -253 bps | |
| Net Interest Margin | 4.27% | 3.76% | 3.99% | 4.01% | 4.24% | 4.29% | 3.91% | 3.86% | -14 bps | |
| Efficiency Ratio | 93.73% | 107.88% | 91.99% | 92.78% | 91.02% | 94.06% | 99.10% | 100.80% | +802 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.08% | -4.77% | -4.80% | -3.96% | -6.98% | -6.47% | -5.96% | -4.01% | -5 bps | |
| Loan Growth (YoY) | -13.93% | -14.03% | -15.34% | -12.40% | -12.16% | -10.95% | -7.45% | -5.49% | +691 bps | |
| Share Growth (YoY) | -6.40% | -5.14% | -5.08% | -4.09% | -7.47% | -7.21% | -7.00% | -4.38% | -29 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.22% | 10.90% | 9.98% | 10.74% | 4.90% | 4.11% | 3.72% | 3.50% | -725 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.90% | 14.13% | 13.74% | 13.95% | 14.70% | 14.33% | 14.26% | 14.11% | +16 bps | |
| Net Worth / Assets | 14.90% | 14.13% | 13.74% | 13.95% | 14.70% | 14.33% | 14.26% | 14.11% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.59% | 30.13% | 28.34% | 28.47% | 29.04% | 28.91% | 28.20% | 28.14% | -33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
California, PA · Charter 13503 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.03%
Rank 72 of 78
Net Interest Margin
3.87%
Rank 29 of 78
Efficiency Ratio
100.72%
Rank 73 of 78
Equity / Assets
14.11%
Rank 43 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.03% | 0.37% | 0.83% | 1.31% | Beats 8% | 72 / 78 | ||
| Return on Equity | -0.22% | 1.73% | 5.71% | 9.08% | Beats 8% | 72 / 78 | ||
| Net Interest Margin | 3.87% | 3.17% | 3.63% | 4.21% | Beats 63% | 29 / 78 | ||
| Efficiency Ratio | 100.72% | 65.01% | 78.15% | 89.28% | Beats 8% | 73 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.50% | 0.40% | 0.84% | 1.97% | Beats 15% | 67 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.11% | 12.42% | 15.10% | 18.27% | Beats 45% | 43 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.11% | 12.42% | 15.10% | 18.27% | Beats 45% | 43 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 28.14% | 34.83% | 50.41% | 71.84% | 13th pctl | 68 / 78 | ||
| Loans / Assets | 24.03% | 29.34% | 41.02% | 56.96% | 13th pctl | 68 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||