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Century Heritage

Pittsburgh, PA · Charter 1352

NCUA · 6 branches

Q2 2026

$289.5MAssets
$189.4MLoans
$251.4MShares
$33.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.01%, up 52 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.75% of loans (-8 bps YoY).
  • Capital: net worth / assets of 11.48%, up 79 bps from a year ago.
  • Funding: loans stand at 75.31% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.44%+60 bps YoY

Efficiency Ratio (YTD, annualized)

75.58%-792 bps YoY

Net Worth / Assets

11.48%+79 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.56%0.66%0.86%1.01%+52 bps
Return on Equity4.65%5.15%5.94%7.64%8.84%+419 bps
Net Interest Margin2.84%2.89%2.99%3.35%3.44%+60 bps
Efficiency Ratio83.50%82.16%79.60%78.72%75.58%-792 bps
Growth
Asset Growth (YoY)4.92%2.78%1.99%1.15%1.41%-351 bps
Loan Growth (YoY)3.69%2.13%-0.18%-0.61%0.31%-339 bps
Share Growth (YoY)6.76%4.30%2.58%0.19%-1.75%-851 bps
Asset Quality
Delinquent Loans / Loans0.83%0.93%1.00%0.64%0.75%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.69%10.80%11.08%11.24%11.48%+79 bps
Net Worth / Assets10.69%10.80%11.08%11.24%11.48%+79 bps
Liquidity & Funding
Loans / Shares73.76%73.45%72.72%72.93%75.31%+155 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps