Hermitage, PA · Charter 13760
NCUA · 3 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
33
Profitability
30
Liquidity
0
Efficiency
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.
Hermitage, PA · Charter 13760
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.80% | 0.73% | 0.65% | 0.67% | -7 bps | |
| Return on Equity | 4.76% | 5.01% | 4.55% | 4.16% | 4.29% | -47 bps | |
| Net Interest Margin | 2.72% | 2.78% | 2.78% | 2.76% | 2.80% | +8 bps | |
| Efficiency Ratio | 77.74% | 76.62% | 78.23% | 77.17% | 78.14% | +40 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.44% | 3.97% | 2.53% | 2.85% | 4.04% | -39 bps | |
| Loan Growth (YoY) | -4.42% | -5.78% | -6.13% | -7.49% | -7.30% | -288 bps | |
| Share Growth (YoY) | 4.11% | 3.81% | 2.44% | 2.61% | 4.06% | -5 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 1.78% | 1.09% | 0.81% | 1.01% | +21 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.52% | 15.89% | 15.95% | 15.56% | 15.59% | +7 bps | |
| Net Worth / Assets | 15.52% | 15.89% | 15.95% | 15.56% | 15.59% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.85% | 40.10% | 38.68% | 36.51% | 36.39% | -446 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hermitage, PA · Charter 13760 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.67%
Rank 925 of 1,683
Net Interest Margin
2.80%
Rank 1,540 of 1,683
Efficiency Ratio
78.09%
Rank 834 of 1,682
Equity / Assets
15.59%
Rank 486 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.35% | 0.74% | 1.18% | Beats 45% | 925 / 1,683 | |
| Return on Equity | 4.29% | 2.67% | 5.89% | 8.74% | Beats 37% | 1,053 / 1,681 | |
| Net Interest Margin | 2.80% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,540 / 1,683 | |
| Efficiency Ratio | 78.09% | 68.91% | 78.20% | 86.93% | Beats 50% | 834 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.02% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,136 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.59% | 10.44% | 12.89% | 16.53% | Beats 71% | 486 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.59% | 10.44% | 12.89% | 16.53% | Beats 71% | 486 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 36.39% | 52.61% | 69.38% | 83.50% | 8th pctl | 1,543 / 1,683 | |
| Loans / Assets | 30.55% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,541 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||