New Castle, PA · Charter 1542
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
55
Asset Quality
73
Profitability
32
Liquidity
71
Efficiency
23
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.
New Castle, PA · Charter 1542
NCUA · 2 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 | 0.42% | 0.50% | 0.54% | 0.39% | 0.27% | -14 bps | |
| Return on Equity | 2.78% | 3.25% | 3.37% | 2.56% | 1.78% | -100 bps | |
| Net Interest Margin | 3.48% | 3.62% | 3.74% | 3.69% | 3.61% | +13 bps | |
| Efficiency Ratio | 84.91% | 84.66% | 84.34% | 87.41% | 90.63% | +572 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.00% | 6.14% | 2.50% | 1.81% | 3.26% | -274 bps | |
| Loan Growth (YoY) | 5.98% | 1.71% | -1.72% | -3.93% | -11.06% | -1,705 bps | |
| Share Growth (YoY) | 6.63% | 7.54% | 1.70% | 0.87% | 2.18% | -445 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.42% | 0.63% | 0.41% | 0.41% | -4 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 | 15.04% | 15.32% | 15.96% | 15.27% | 15.34% | +30 bps | |
| Net Worth / Assets | 15.04% | 15.32% | 15.96% | 15.27% | 15.34% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.29% | 66.83% | 64.73% | 58.19% | 58.57% | -872 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Castle, PA · Charter 1542 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 2 branches
Q2 2026
Return on Assets
0.27%
Rank 61 of 78
Net Interest Margin
3.61%
Rank 40 of 78
Efficiency Ratio
90.63%
Rank 61 of 78
Equity / Assets
15.34%
Rank 35 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.37% | 0.83% | 1.31% | Beats 22% | 61 / 78 | |
| Return on Equity | 1.78% | 1.73% | 5.71% | 9.08% | Beats 26% | 58 / 78 | |
| Net Interest Margin | 3.61% | 3.17% | 3.63% | 4.21% | Beats 49% | 40 / 78 | |
| Efficiency Ratio | 90.63% | 65.01% | 78.15% | 89.28% | Beats 23% | 61 / 78 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.40% | 0.84% | 1.97% | Beats 73% | 22 / 78 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.34% | 12.42% | 15.10% | 18.27% | Beats 55% | 35 / 78 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.34% | 12.42% | 15.10% | 18.27% | Beats 55% | 35 / 78 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.56% | 34.83% | 50.41% | 71.84% | 62nd pctl | 30 / 78 | |
| Loans / Assets | 49.16% | 29.34% | 41.02% | 56.96% | 62nd pctl | 30 / 78 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||