PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

A T & T Employees Pittsburgh

Pittsburgh, PA · Charter 200

NCUA · 2 branches

Q2 2026

$9.6MAssets
$2.9MLoans
$6.7MShares
$2.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.34%, down 70 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.41% of loans (+11 bps YoY).
  • Capital: net worth / assets of 29.65%, up 183 bps from a year ago.
  • Funding: loans stand at 42.79% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.34%-70 bps YoY

Net Interest Margin (quarter, annualized)

3.75%-9 bps YoY

Efficiency Ratio (quarter, annualized)

87.60%+1,374 bps YoY

Net Worth / Assets

29.65%+183 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.96%0.97%1.04%1.00%0.96%0.56%0.34%-70 bps
Return on Equity3.41%3.49%3.56%3.75%3.50%3.30%1.94%1.16%-259 bps
Net Interest Margin3.91%3.92%3.77%3.85%3.94%3.94%3.62%3.75%-9 bps
Efficiency Ratio77.46%75.93%75.13%73.86%75.60%76.71%85.27%87.60%+1,374 bps
Growth
Asset Growth (YoY)0.52%1.67%3.08%2.19%-0.15%-2.20%-2.48%-4.80%-699 bps
Loan Growth (YoY)6.61%-3.50%-5.46%-10.78%-14.09%-12.35%-15.60%-19.35%-856 bps
Share Growth (YoY)-0.14%0.87%2.73%1.38%-1.87%-4.36%-4.71%-7.85%-923 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.14%0.30%0.00%0.00%0.68%0.41%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.04%1.09%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital27.29%27.50%27.40%27.82%28.50%29.08%28.94%29.65%+183 bps
Net Worth / Assets27.29%27.50%27.40%27.82%28.50%29.08%28.94%29.65%+183 bps
Liquidity & Funding
Loans / Shares55.02%52.30%50.02%48.89%48.17%47.93%44.30%42.79%-610 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps