SMMH
Pittsburgh, PA · Charter 17371 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=80-81)
NCUA · 1 branch
Q1 2026
$3.3MAssets
$839KLoans
$2.5MShares
$761KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 84% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 13 of 81).
- Widest gap: nonperforming loans / loans trails 84% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 69 of 81).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.85%
Rank 38 of 81
Net Interest Margin
3.90%
Rank 29 of 81
Efficiency Ratio
75.76%
Rank 37 of 81
Equity / Assets
23.20%
Rank 13 of 81
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.36% | 0.77% | 1.28% | Beats 53% | 38 / 81 | |
| Return on Equity | 3.68% | 1.77% | 5.35% | 8.26% | Beats 36% | 51 / 80 | |
| Net Interest Margin | 3.90% | 3.07% | 3.64% | 4.20% | Beats 64% | 29 / 81 | |
| Efficiency Ratio | 75.76% | 64.79% | 78.72% | 92.77% | Beats 56% | 37 / 81 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.10% | 0.26% | 0.73% | 2.35% | Beats 16% | 69 / 81 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 23.20% | 12.13% | 14.42% | 18.24% | Beats 84% | 13 / 81 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 23.20% | 12.13% | 14.42% | 18.24% | Beats 84% | 13 / 81 | |
| Liquidity & Funding |
| Loans / Deposits | 33.31% | 33.37% | 48.14% | 68.66% | 22nd pctl | 63 / 81 | |
| Loans / Assets | 25.58% | 27.98% | 40.54% | 57.54% | 16th pctl | 68 / 81 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |