Kittanning, PA · Charter 19745
NCUA · 3 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 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
68
Asset Quality
52
Profitability
29
Liquidity
0
Efficiency
58
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.
Kittanning, PA · Charter 19745
NCUA · 3 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 | 0.92% | 0.99% | 1.46% | 1.21% | 1.04% | 1.11% | 0.58% | 0.68% | -53 bps | |
| Return on Equity | 6.54% | 6.91% | 10.02% | 8.37% | 6.92% | 7.22% | 3.83% | 4.40% | -397 bps | |
| Net Interest Margin | 3.03% | 3.03% | 3.10% | 2.91% | 3.03% | 3.02% | 2.80% | 2.79% | -12 bps | |
| Efficiency Ratio | 66.03% | 65.34% | 66.93% | 66.43% | 66.87% | 66.60% | 80.30% | 74.02% | +759 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.12% | -1.85% | -4.13% | 0.53% | 0.97% | 0.09% | 1.76% | -0.93% | -146 bps | |
| Loan Growth (YoY) | 32.18% | 27.68% | 36.14% | 23.43% | 27.05% | 16.70% | 2.58% | -2.39% | -2,582 bps | |
| Share Growth (YoY) | -3.58% | -3.23% | -5.85% | -0.53% | -0.14% | -1.20% | 1.01% | -2.04% | -151 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.33% | 0.80% | 0.70% | 0.68% | 0.88% | 0.22% | 0.64% | -6 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 | 14.05% | 14.28% | 14.57% | 14.50% | 14.98% | 15.37% | 15.18% | 15.45% | +95 bps | |
| Net Worth / Assets | 14.05% | 14.28% | 14.57% | 14.50% | 14.98% | 15.37% | 15.18% | 15.45% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.19% | 20.58% | 22.53% | 22.68% | 24.42% | 24.31% | 22.89% | 22.60% | -8 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kittanning, PA · Charter 19745 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 3 branches
Q2 2026
Return on Assets
0.68%
Rank 36 of 60
Net Interest Margin
2.80%
Rank 52 of 60
Efficiency Ratio
73.85%
Rank 26 of 60
Equity / Assets
15.44%
Rank 19 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.68% | 0.35% | 0.84% | 1.37% | Beats 40% | 36 / 60 | ||
| Return on Equity | 4.42% | 2.76% | 6.36% | 10.04% | Beats 35% | 39 / 60 | ||
| Net Interest Margin | 2.80% | 3.02% | 3.63% | 4.05% | Beats 13% | 52 / 60 | ||
| Efficiency Ratio | 73.85% | 67.68% | 77.48% | 89.33% | Beats 58% | 26 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.32% | 0.64% | 1.44% | Beats 52% | 30 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.44% | 10.72% | 13.16% | 17.68% | Beats 68% | 19 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.44% | 10.72% | 13.16% | 17.68% | Beats 68% | 19 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 22.60% | 43.79% | 55.03% | 72.55% | 5th pctl | 57 / 60 | ||
| Loans / Assets | 19.11% | 36.50% | 47.22% | 58.67% | 7th pctl | 56 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||