Clairton, PA · Charter 1646
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
53
Asset Quality
94
Profitability
47
Liquidity
49
Efficiency
36
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.
Clairton, PA · Charter 1646
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.50% | 0.82% | 0.21% | 0.12% | 0.32% | 1.33% | 0.37% | +17 bps | |
| Return on Equity | 0.71% | 3.41% | 5.81% | 1.48% | 0.87% | 2.31% | 8.78% | 2.44% | +96 bps | |
| Net Interest Margin | 3.51% | 3.51% | 3.26% | 3.37% | 3.34% | 3.45% | 5.16% | 4.62% | +125 bps | |
| Efficiency Ratio | 92.42% | 88.74% | 75.56% | 82.11% | 88.88% | 85.48% | 61.55% | 83.01% | +90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.00% | 1.67% | 6.99% | 7.02% | 10.44% | 7.85% | -4.20% | -6.96% | -1,398 bps | |
| Loan Growth (YoY) | -19.34% | -16.90% | -7.32% | 2.92% | 5.25% | 3.37% | -8.78% | -20.11% | -2,303 bps | |
| Share Growth (YoY) | 0.03% | 3.97% | 6.31% | 5.16% | 8.42% | 4.50% | -4.46% | -6.69% | -1,186 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.04% | 0.45% | 0.03% | 0.00% | 0.06% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.35% | 14.57% | 14.14% | 13.89% | 13.40% | 13.73% | 15.11% | 15.24% | +135 bps | |
| Net Worth / Assets | 14.35% | 14.57% | 14.14% | 13.89% | 13.40% | 13.73% | 15.11% | 15.24% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.02% | 40.80% | 41.33% | 43.65% | 41.76% | 40.36% | 39.47% | 37.37% | -628 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clairton, PA · Charter 1646 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 2 branches
Q2 2026
Return on Assets
0.37%
Rank 59 of 78
Net Interest Margin
4.61%
Rank 8 of 78
Efficiency Ratio
83.12%
Rank 51 of 78
Equity / Assets
15.24%
Rank 37 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.37% | 0.37% | 0.83% | 1.31% | Beats 24% | 59 / 78 | ||
| Return on Equity | 2.44% | 1.73% | 5.71% | 9.08% | Beats 28% | 56 / 78 | ||
| Net Interest Margin | 4.61% | 3.17% | 3.63% | 4.21% | Beats 90% | 8 / 78 | ||
| Efficiency Ratio | 83.12% | 65.01% | 78.15% | 89.28% | Beats 36% | 51 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.40% | 0.84% | 1.97% | Beats 94% | 6 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.24% | 12.42% | 15.10% | 18.27% | Beats 53% | 37 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.24% | 12.42% | 15.10% | 18.27% | Beats 53% | 37 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.37% | 34.83% | 50.41% | 71.84% | 29th pctl | 55 / 78 | ||
| Loans / Assets | 31.65% | 29.34% | 41.02% | 56.96% | 29th pctl | 55 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||