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Glass Cap

Connellsville, PA · Charter 13733

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Pittsburgh, PA area3

Basis

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.

Peer group

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.

Peer standing

Capital

74

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

96

Q2 2024Q2 2026peer median

Efficiency

67

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Glass Cap

Connellsville, PA · Charter 13733

NCUA · 2 branches

Q2 2026

$45.4MAssets
$18.6MLoans
$36.9MShares
$8.3MNet 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 1.47%, down 80 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 0.76% of loans (+10 bps YoY).
  • Capital: net worth / assets of 18.28%, up 192 bps from a year ago.
  • Funding: loans stand at 50.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.47%-80 bps YoY

Net Interest Margin (YTD, annualized)

4.39%-30 bps YoY

Efficiency Ratio (YTD, annualized)

69.32%+1,159 bps YoY

Net Worth / Assets

18.28%+192 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.27%2.40%2.56%1.33%1.47%-80 bps
Return on Equity13.88%13.79%14.20%7.46%8.05%-584 bps
Net Interest Margin4.69%4.82%4.77%4.34%4.39%-30 bps
Efficiency Ratio57.73%56.96%53.60%73.43%69.32%+1,159 bps
Growth
Asset Growth (YoY)1.04%0.28%0.28%-0.35%1.12%+8 bps
Loan Growth (YoY)-5.05%-7.32%-8.98%-6.81%-6.29%-124 bps
Share Growth (YoY)-2.01%-1.89%-2.41%-2.40%-0.53%+148 bps
Asset Quality
Delinquent Loans / Loans0.66%1.17%1.35%0.99%0.76%+10 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 Capital16.35%17.38%18.05%17.80%18.28%+192 bps
Net Worth / Assets16.35%17.38%18.05%17.80%18.28%+192 bps
Liquidity & Funding
Loans / Shares53.51%53.97%52.57%50.58%50.41%-310 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Glass Cap

Connellsville, PA · Charter 13733 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)

NCUA · 2 branches

Q2 2026

$45.4MAssets
$18.6MLoans
$36.9MShares
$8.3MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 82% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 14 of 78).
  • Widest gap: nonperforming loans / loans trails 45% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 36 of 78).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.47%

Rank 16 of 78

Net Interest Margin

4.39%

Rank 14 of 78

Efficiency Ratio

69.32%

Rank 27 of 78

Equity / Assets

18.27%

Rank 20 of 78

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.47%0.37%0.83%1.31%Beats 79%16 / 78
Return on Equity8.05%1.73%5.71%9.08%Beats 63%29 / 78
Net Interest Margin4.39%3.17%3.63%4.21%Beats 82%14 / 78
Efficiency Ratio69.32%65.01%78.15%89.28%Beats 67%27 / 78
Asset Quality
Nonperforming Loans / Loans0.76%0.40%0.84%1.97%Beats 55%36 / 78
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.27%12.42%15.10%18.27%Beats 74%20 / 78
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.27%12.42%15.10%18.27%Beats 74%20 / 78
Liquidity & Funding
Loans / Deposits50.41%34.83%50.41%71.84%50th pctl39 / 78
Loans / Assets41.02%29.34%41.02%56.96%50th pctl39 / 78
Brokered Deposits / Depositsn/aNot reported for this institution