Pleasant Gap, PA · Charter 1882
NCUA · 1 branch
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 the Buffalo-Cheektowaga, NY area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
77
Profitability
60
Liquidity
96
Efficiency
98
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.
Pleasant Gap, PA · Charter 1882
NCUA · 1 branch
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 | 1.21% | 1.26% | 1.51% | 1.53% | 1.57% | 0.99% | 1.53% | 1.56% | +2 bps | |
| Return on Equity | 7.89% | 8.21% | 9.96% | 9.97% | 10.10% | 6.58% | 10.11% | 10.09% | +11 bps | |
| Net Interest Margin | 2.81% | 2.83% | 2.88% | 2.91% | 2.93% | 2.50% | 2.81% | 2.82% | -9 bps | |
| Efficiency Ratio | 47.80% | 47.47% | 46.61% | 46.33% | 45.83% | 58.46% | 47.54% | 46.87% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.20% | 3.06% | 3.47% | 4.45% | 9.10% | 9.01% | 7.02% | 6.51% | +206 bps | |
| Loan Growth (YoY) | -6.46% | -8.07% | -7.99% | -8.43% | -8.57% | -9.00% | -8.38% | -4.79% | +364 bps | |
| Share Growth (YoY) | -2.76% | 2.03% | 2.40% | 3.41% | 8.76% | 9.40% | 6.98% | 6.42% | +301 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.48% | 0.31% | 0.40% | 0.25% | 0.34% | 0.07% | 0.31% | -9 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.34% | 15.38% | 15.20% | 15.37% | 15.57% | 15.08% | 15.18% | 15.43% | +6 bps | |
| Net Worth / Assets | 15.34% | 15.38% | 15.20% | 15.37% | 15.57% | 15.08% | 15.18% | 15.43% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.73% | 68.09% | 63.63% | 62.39% | 60.30% | 56.64% | 54.49% | 55.81% | -657 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pleasant Gap, PA · Charter 1882 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
1.56%
Rank 8 of 60
Net Interest Margin
2.82%
Rank 51 of 60
Efficiency Ratio
46.88%
Rank 2 of 60
Equity / Assets
15.43%
Rank 20 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.56% | 0.35% | 0.84% | 1.37% | Beats 87% | 8 / 60 | ||
| Return on Equity | 10.08% | 2.76% | 6.36% | 10.04% | Beats 77% | 14 / 60 | ||
| Net Interest Margin | 2.82% | 3.02% | 3.63% | 4.05% | Beats 15% | 51 / 60 | ||
| Efficiency Ratio | 46.88% | 67.68% | 77.48% | 89.33% | Beats 98% | 2 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.32% | 0.64% | 1.44% | Beats 77% | 15 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.43% | 10.72% | 13.16% | 17.68% | Beats 67% | 20 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.43% | 10.72% | 13.16% | 17.68% | Beats 67% | 20 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.81% | 43.79% | 55.03% | 72.55% | 52nd pctl | 29 / 60 | ||
| Loans / Assets | 47.22% | 36.50% | 47.22% | 58.67% | 50th pctl | 30 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||