PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Clairton Works

Clairton, PA · Charter 1646

NCUA · 2 branches

Q2 2026

$11.8MAssets
$3.7MLoans
$10.0MShares
$1.8MNet 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 0.37%, up 17 bps year over year; NIM at 4.62%.
  • Asset quality: problem loans at 0.06% of loans (+2 bps YoY).
  • Capital: net worth / assets of 15.24%, up 135 bps from a year ago.
  • Funding: loans stand at 37.37% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.62%+125 bps YoY

Efficiency Ratio (YTD, annualized)

83.01%+90 bps YoY

Net Worth / Assets

15.24%+135 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.12%0.32%1.33%0.37%+17 bps
Return on Equity1.48%0.87%2.31%8.78%2.44%+96 bps
Net Interest Margin3.37%3.34%3.45%5.16%4.62%+125 bps
Efficiency Ratio82.11%88.88%85.48%61.55%83.01%+90 bps
Growth
Asset Growth (YoY)7.02%10.44%7.85%-4.20%-6.96%-1,398 bps
Loan Growth (YoY)2.92%5.25%3.37%-8.78%-20.11%-2,303 bps
Share Growth (YoY)5.16%8.42%4.50%-4.46%-6.69%-1,186 bps
Asset Quality
Delinquent Loans / Loans0.04%0.45%0.03%0.00%0.06%+2 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 Capital13.89%13.40%13.73%15.11%15.24%+135 bps
Net Worth / Assets13.89%13.40%13.73%15.11%15.24%+135 bps
Liquidity & Funding
Loans / Shares43.65%41.76%40.36%39.47%37.37%-628 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps