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Mt Pleasant Area School Emp

Mount Pleasant, PA · Charter 17136

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

88

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

99

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

Mt Pleasant Area School Emp

Mount Pleasant, PA · Charter 17136

NCUA · 1 branch

Q2 2026

$2.3MAssets
$358KLoans
$1.7MShares
$577KNet 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 1.65%, down 26 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 25.40%, up 188 bps from a year ago.
  • Funding: loans stand at 21.12% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.65%-26 bps YoY

Net Interest Margin (YTD, annualized)

2.35%-26 bps YoY

Efficiency Ratio (YTD, annualized)

30.62%+281 bps YoY

Net Worth / Assets

25.40%+188 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.91%2.01%1.91%1.79%1.65%-26 bps
Return on Equity8.11%8.37%7.87%7.15%6.49%-162 bps
Net Interest Margin2.60%2.65%2.53%2.47%2.35%-26 bps
Efficiency Ratio27.82%25.76%26.04%28.04%30.62%+281 bps
Growth
Asset Growth (YoY)-7.30%-1.34%-1.37%-3.48%-0.33%+696 bps
Loan Growth (YoY)-15.74%-16.50%-23.49%-25.50%-31.90%-1,616 bps
Share Growth (YoY)-11.48%-4.34%-4.18%-6.87%-2.78%+870 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.03%1.13%1.21%1.29%1.51%+48 bps
Capital
Risk-Based Capital23.52%23.99%24.25%24.97%25.40%+188 bps
Net Worth / Assets23.52%23.99%24.25%24.97%25.40%+188 bps
Liquidity & Funding
Loans / Shares30.15%27.53%25.60%24.42%21.12%-903 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

Mt Pleasant Area School Emp

Mount Pleasant, PA · Charter 17136 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)

NCUA · 1 branch

Q2 2026

$2.3MAssets
$358KLoans
$1.7MShares
$577KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 3 of 78).
  • Widest gap: net interest margin trails 91% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 71 of 78).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.67%

Rank 12 of 78

Net Interest Margin

2.29%

Rank 71 of 78

Efficiency Ratio

30.77%

Rank 2 of 78

Equity / Assets

25.40%

Rank 9 of 78

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.67%0.37%0.83%1.31%Beats 85%12 / 78
Return on Equity6.59%1.73%5.71%9.08%Beats 54%36 / 78
Net Interest Margin2.29%3.17%3.63%4.21%Beats 9%71 / 78
Efficiency Ratio30.77%65.01%78.15%89.28%Beats 99%2 / 78
Asset Quality
Nonperforming Loans / Loans0.00%0.40%0.84%1.97%Beats 100%3 / 78
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio25.40%12.42%15.10%18.27%Beats 88%9 / 78
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets25.40%12.42%15.10%18.27%Beats 88%9 / 78
Liquidity & Funding
Loans / Deposits21.13%34.83%50.41%71.84%4th pctl75 / 78
Loans / Assets15.76%29.34%41.02%56.96%3rd pctl76 / 78
Brokered Deposits / Depositsn/aNot reported for this institution