New Alexandria, PA · Charter 18775
NCUA · 1 branch
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
100
Profitability
33
Liquidity
62
Efficiency
10
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.
New Alexandria, PA · Charter 18775
NCUA · 1 branch
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.59% | -0.20% | -2.31% | -1.68% | -1.28% | -287 bps | |
| Return on Equity | 9.69% | -1.29% | -15.35% | -10.12% | -7.84% | -1,753 bps | |
| Net Interest Margin | 4.51% | 4.82% | 4.63% | 4.92% | 4.69% | +18 bps | |
| Efficiency Ratio | 65.16% | 83.19% | 109.78% | 106.42% | 105.79% | +4,063 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.24% | -4.42% | -4.00% | -7.43% | -7.19% | -495 bps | |
| Loan Growth (YoY) | 1.41% | -6.57% | -7.73% | -9.17% | -10.91% | -1,232 bps | |
| Share Growth (YoY) | -4.18% | -5.95% | -3.54% | -7.03% | -7.17% | -299 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.12% | 0.13% | 0.12% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 1.41% | 2.84% | 2.79% | 2.85% | +195 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.42% | 15.85% | 15.05% | 16.62% | 16.35% | -7 bps | |
| Net Worth / Assets | 16.42% | 15.85% | 15.05% | 16.62% | 16.35% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.83% | 60.44% | 58.18% | 66.51% | 61.26% | -257 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Alexandria, PA · Charter 18775 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=82-83)
NCUA · 1 branch
Q4 2025
Return on Assets
-1.26%
Rank 79 of 83
Net Interest Margin
4.66%
Rank 11 of 83
Efficiency Ratio
106.25%
Rank 75 of 82
Equity / Assets
16.37%
Rank 31 of 83
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.26% | 0.37% | 0.83% | 1.24% | Beats 5% | 79 / 83 | |
| Return on Equity | -7.72% | 2.84% | 5.44% | 8.92% | Beats 6% | 77 / 82 | |
| Net Interest Margin | 4.66% | 3.11% | 3.56% | 4.36% | Beats 87% | 11 / 83 | |
| Efficiency Ratio | 106.25% | 63.28% | 74.36% | 86.78% | Beats 10% | 75 / 82 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.76% | 2.30% | Beats 100% | 7 / 83 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.35% | 11.95% | 14.61% | 18.05% | Beats 63% | 31 / 83 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.37% | 11.95% | 14.60% | 18.05% | Beats 63% | 31 / 83 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.26% | 35.92% | 49.51% | 69.66% | 65th pctl | 29 / 83 | |
| Loans / Assets | 51.24% | 29.95% | 43.01% | 59.15% | 64th pctl | 30 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||