Pittsburgh, PA · Charter 205
NCUA · 8 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 | 0.17% | 0.07% | 0.17% | 0.49% | 0.52% | 0.49% | 0.14% | 0.10% | -39 bps | |
| Return on Equity | 1.00% | 0.41% | 1.07% | 2.96% | 3.03% | 2.84% | 0.81% | 0.59% | -237 bps | |
| Net Interest Margin | 2.98% | 2.85% | 3.20% | 3.30% | 3.46% | 3.50% | 3.45% | 3.47% | +17 bps | |
| Efficiency Ratio | 93.17% | 93.63% | 91.85% | 83.75% | 81.96% | 82.94% | 93.06% | 93.50% | +975 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.29% | 6.43% | 5.74% | 4.56% | 3.28% | -2.65% | -4.25% | -3.37% | -793 bps | |
| Loan Growth (YoY) | 5.64% | 9.97% | 5.07% | 2.38% | 1.55% | -5.50% | -2.59% | 1.31% | -107 bps | |
| Share Growth (YoY) | 0.92% | 6.52% | 5.56% | 3.96% | 2.75% | -4.29% | -5.73% | -4.46% | -841 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.71% | 0.69% | 1.08% | 0.93% | 0.76% | 0.73% | 1.46% | +39 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 | 16.93% | 16.34% | 16.04% | 16.44% | 17.12% | 17.23% | 17.18% | 17.25% | +81 bps | |
| Net Worth / Assets | 16.93% | 16.34% | 16.04% | 16.44% | 17.12% | 17.23% | 17.18% | 17.25% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.11% | 79.96% | 76.98% | 77.17% | 79.18% | 78.95% | 79.54% | 81.83% | +466 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |