Pittsburgh, PA · Charter 1352
NCUA · 6 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
15
Asset Quality
56
Profitability
55
Liquidity
21
Efficiency
55
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.
Pittsburgh, PA · Charter 1352
NCUA · 6 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 | 0.57% | 0.67% | 0.30% | 0.50% | 0.56% | 0.66% | 0.86% | 1.01% | +52 bps | |
| Return on Equity | 5.50% | 6.35% | 2.87% | 4.65% | 5.15% | 5.94% | 7.64% | 8.84% | +419 bps | |
| Net Interest Margin | 2.68% | 2.70% | 2.63% | 2.84% | 2.89% | 2.99% | 3.35% | 3.44% | +60 bps | |
| Efficiency Ratio | 81.65% | 77.98% | 88.11% | 83.50% | 82.16% | 79.60% | 78.72% | 75.58% | -792 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.46% | 6.05% | 5.19% | 4.92% | 2.78% | 1.99% | 1.15% | 1.41% | -351 bps | |
| Loan Growth (YoY) | 8.32% | 5.57% | 3.87% | 3.69% | 2.13% | -0.18% | -0.61% | 0.31% | -339 bps | |
| Share Growth (YoY) | 12.04% | 10.66% | 8.93% | 6.76% | 4.30% | 2.58% | 0.19% | -1.75% | -851 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 0.50% | 0.38% | 0.83% | 0.93% | 1.00% | 0.64% | 0.75% | -8 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 | 10.43% | 10.62% | 10.54% | 10.69% | 10.80% | 11.08% | 11.24% | 11.48% | +79 bps | |
| Net Worth / Assets | 10.43% | 10.62% | 10.54% | 10.69% | 10.80% | 11.08% | 11.24% | 11.48% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.01% | 74.74% | 73.51% | 73.76% | 73.45% | 72.72% | 72.93% | 75.31% | +155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pittsburgh, PA · Charter 1352 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 6 branches
Q2 2026
Return on Assets
1.01%
Rank 33 of 78
Net Interest Margin
3.44%
Rank 49 of 78
Efficiency Ratio
75.60%
Rank 36 of 78
Equity / Assets
11.48%
Rank 66 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.01% | 0.37% | 0.83% | 1.31% | Beats 58% | 33 / 78 | ||
| Return on Equity | 8.84% | 1.73% | 5.71% | 9.08% | Beats 71% | 23 / 78 | ||
| Net Interest Margin | 3.44% | 3.17% | 3.63% | 4.21% | Beats 37% | 49 / 78 | ||
| Efficiency Ratio | 75.60% | 65.01% | 78.15% | 89.28% | Beats 55% | 36 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.40% | 0.84% | 1.97% | Beats 56% | 35 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.48% | 12.42% | 15.10% | 18.27% | Beats 15% | 66 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.48% | 12.42% | 15.10% | 18.27% | Beats 15% | 66 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.31% | 34.83% | 50.41% | 71.84% | 82nd pctl | 14 / 78 | ||
| Loans / Assets | 65.41% | 29.34% | 41.02% | 56.96% | 82nd pctl | 14 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||