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Allegent Community

Pittsburgh, PA · Charter 205

NCUA · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Pittsburgh, PA area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Pittsburgh, PA area (n=78). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Allegent Community

Pittsburgh, PA · Charter 205

NCUA · 8 branches

Q2 2026

$281.3MAssets
$188.8MLoans
$230.7MShares
$48.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.10%, down 39 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 1.46% of loans (+39 bps YoY).
  • Capital: net worth / assets of 17.25%, up 81 bps from a year ago.
  • Funding: loans stand at 81.83% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.10%-39 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+17 bps YoY

Efficiency Ratio (YTD, annualized)

93.50%+975 bps YoY

Net Worth / Assets

17.25%+81 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.52%0.49%0.14%0.10%-39 bps
Return on Equity2.96%3.03%2.84%0.81%0.59%-237 bps
Net Interest Margin3.30%3.46%3.50%3.45%3.47%+17 bps
Efficiency Ratio83.75%81.96%82.94%93.06%93.50%+975 bps
Growth
Asset Growth (YoY)4.56%3.28%-2.65%-4.25%-3.37%-793 bps
Loan Growth (YoY)2.38%1.55%-5.50%-2.59%1.31%-107 bps
Share Growth (YoY)3.96%2.75%-4.29%-5.73%-4.46%-841 bps
Asset Quality
Delinquent Loans / Loans1.08%0.93%0.76%0.73%1.46%+39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.44%17.12%17.23%17.18%17.25%+81 bps
Net Worth / Assets16.44%17.12%17.23%17.18%17.25%+81 bps
Liquidity & Funding
Loans / Shares77.17%79.18%78.95%79.54%81.83%+466 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Allegent Community

Pittsburgh, PA · Charter 205 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)

NCUA · 8 branches

Q2 2026

$281.3MAssets
$188.8MLoans
$230.7MShares
$48.5MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 68% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 25 of 78).
  • Widest gap: return on assets trails 88% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 69 of 78).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.10%

Rank 69 of 78

Net Interest Margin

3.47%

Rank 48 of 78

Efficiency Ratio

93.52%

Rank 64 of 78

Equity / Assets

17.25%

Rank 25 of 78

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.10%0.37%0.83%1.31%Beats 12%69 / 78
Return on Equity0.59%1.73%5.71%9.08%Beats 13%68 / 78
Net Interest Margin3.47%3.17%3.63%4.21%Beats 38%48 / 78
Efficiency Ratio93.52%65.01%78.15%89.28%Beats 19%64 / 78
Asset Quality
Nonperforming Loans / Loans1.46%0.40%0.84%1.97%Beats 31%55 / 78
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.25%12.42%15.10%18.27%Beats 68%25 / 78
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.25%12.42%15.10%18.27%Beats 68%25 / 78
Liquidity & Funding
Loans / Deposits81.83%34.83%50.41%71.84%87th pctl10 / 78
Loans / Assets67.13%29.34%41.02%56.96%86th pctl11 / 78
Brokered Deposits / Depositsn/aNot reported for this institution