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Bva

Belle Vernon, PA · Charter 16063

NCUA · 1 branch

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

5

Q2 2024Q2 2026peer median (50)

Asset Quality

4

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

31

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

Bva

Belle Vernon, PA · Charter 16063

NCUA · 1 branch

Q2 2026

$39.7MAssets
$8.4MLoans
$35.9MShares
$3.7MNet 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 0.87%, up 38 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 5.02% of loans (+231 bps YoY).
  • Capital: net worth / assets of 9.36%, up 3 bps from a year ago.
  • Funding: loans stand at 23.32% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%+38 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+12 bps YoY

Efficiency Ratio (YTD, annualized)

84.78%+425 bps YoY

Net Worth / Assets

9.36%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.66%0.58%1.04%0.87%+38 bps
Return on Equity5.28%6.88%6.18%11.17%9.31%+404 bps
Net Interest Margin2.51%2.55%2.58%2.56%2.63%+12 bps
Efficiency Ratio80.53%73.77%75.21%94.06%84.78%+425 bps
Growth
Asset Growth (YoY)4.39%5.56%6.17%7.76%5.39%+100 bps
Loan Growth (YoY)-11.02%-12.02%-11.41%-12.54%-14.17%-315 bps
Share Growth (YoY)4.42%5.52%6.12%7.67%5.01%+58 bps
Asset Quality
Delinquent Loans / Loans2.72%2.57%3.01%4.15%5.02%+231 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 Capital9.33%9.61%9.31%9.32%9.36%+3 bps
Net Worth / Assets9.33%9.61%9.31%9.32%9.36%+3 bps
Liquidity & Funding
Loans / Shares28.54%27.77%26.76%25.03%23.32%-521 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

Bva

Belle Vernon, PA · Charter 16063 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)

NCUA · 1 branch

Q2 2026

$39.7MAssets
$8.4MLoans
$35.9MShares
$3.7MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 76% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 19 of 78).
  • Widest gap: nonperforming loans / loans trails 96% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 76 of 78).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.87%

Rank 37 of 78

Net Interest Margin

2.63%

Rank 68 of 78

Efficiency Ratio

84.90%

Rank 55 of 78

Equity / Assets

9.36%

Rank 74 of 78

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%0.37%0.83%1.31%Beats 53%37 / 78
Return on Equity9.31%1.73%5.71%9.08%Beats 76%19 / 78
Net Interest Margin2.63%3.17%3.63%4.21%Beats 13%68 / 78
Efficiency Ratio84.90%65.01%78.15%89.28%Beats 31%55 / 78
Asset Quality
Nonperforming Loans / Loans5.03%0.40%0.84%1.97%Beats 4%76 / 78
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.36%12.42%15.10%18.27%Beats 5%74 / 78
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.36%12.42%15.10%18.27%Beats 5%74 / 78
Liquidity & Funding
Loans / Deposits23.32%34.83%50.41%71.84%5th pctl74 / 78
Loans / Assets21.09%29.34%41.02%56.96%8th pctl72 / 78
Brokered Deposits / Depositsn/aNot reported for this institution