Trafford, PA · Charter 17014
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 PA (n=72). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
85
Asset Quality
100
Profitability
72
Liquidity
98
Efficiency
94
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.
Trafford, PA · Charter 17014
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 | 2.84% | 2.71% | 2.23% | 2.27% | 2.33% | 2.28% | 1.72% | 1.85% | -43 bps | |
| Return on Equity | 16.38% | 15.08% | 11.77% | 11.69% | 11.25% | 10.89% | 8.44% | 8.70% | -299 bps | |
| Net Interest Margin | 4.54% | 4.46% | 4.15% | 4.12% | 4.25% | 4.19% | 3.65% | 3.74% | -38 bps | |
| Efficiency Ratio | 35.73% | 37.62% | 43.93% | 42.68% | 43.08% | 43.30% | 50.24% | 48.19% | +551 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.04% | 2.07% | 1.47% | 4.13% | -5.27% | -3.92% | 3.25% | 1.12% | -300 bps | |
| Loan Growth (YoY) | -6.18% | -5.95% | -12.81% | -7.21% | -5.19% | 1.00% | 1.12% | 2.92% | +1,014 bps | |
| Share Growth (YoY) | -3.59% | -1.17% | -1.96% | 1.40% | -9.06% | -7.32% | 1.51% | -1.05% | -245 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.12% | 0.12% | 0.48% | 0.51% | 0.00% | 0.00% | 0.00% | -48 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 | 1.97% | 2.10% | 2.18% | 2.03% | 2.22% | 1.71% | 1.79% | 1.74% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.36% | 17.94% | 18.95% | 19.44% | 20.68% | 20.95% | 20.42% | 21.24% | +180 bps | |
| Net Worth / Assets | 17.36% | 17.94% | 18.95% | 19.44% | 20.68% | 20.95% | 20.42% | 21.24% | +180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.82% | 47.21% | 48.49% | 50.76% | 49.85% | 51.44% | 48.30% | 52.80% | +204 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Trafford, PA · Charter 17014 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
Return on Assets
1.84%
Rank 6 of 72
Net Interest Margin
3.75%
Rank 26 of 72
Efficiency Ratio
48.00%
Rank 5 of 72
Equity / Assets
21.24%
Rank 11 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.84% | 0.59% | 1.06% | 1.40% | Beats 92% | 6 / 72 | ||
| Return on Equity | 8.64% | 5.27% | 7.11% | 9.91% | Beats 60% | 29 / 72 | ||
| Net Interest Margin | 3.75% | 3.09% | 3.57% | 4.10% | Beats 64% | 26 / 72 | ||
| Efficiency Ratio | 48.00% | 64.37% | 73.67% | 81.63% | Beats 94% | 5 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.58% | 1.09% | Beats 100% | 7 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.24% | 10.74% | 12.96% | 16.84% | Beats 85% | 11 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.24% | 10.74% | 12.96% | 16.84% | Beats 85% | 11 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.80% | 34.39% | 52.54% | 65.98% | 51st pctl | 35 / 72 | ||
| Loans / Assets | 41.27% | 30.23% | 45.37% | 57.67% | 40th pctl | 43 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||