Beaver, PA · Charter 2098
NCUA · 1 branch
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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 Pittsburgh, PA area (n=80 to 81). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
100
Profitability
15
Liquidity
0
Efficiency
15
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.
Beaver, PA · Charter 2098
NCUA · 1 branch
Q1 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.50% | 3.73% | 3.62% | 3.42% | -0.76% | -525 bps | |
| Return on Equity | 16.24% | 13.63% | 13.04% | 10.10% | -2.19% | -1,843 bps | |
| Net Interest Margin | 6.24% | 4.71% | 4.48% | 5.06% | 1.89% | -435 bps | |
| Efficiency Ratio | 27.99% | 20.76% | 19.10% | 32.30% | 139.94% | +11,195 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.48% | 8.99% | 3.01% | -14.22% | -20.78% | -2,426 bps | |
| Loan Growth (YoY) | -7.89% | -5.56% | -10.87% | -75.87% | -80.02% | -7,213 bps | |
| Share Growth (YoY) | 3.19% | 10.36% | 2.88% | -21.43% | -28.34% | -3,154 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.85% | 2.89% | 4.95% | 9.72% | 19.29% | +1,543 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.67% | 27.37% | 27.79% | 33.92% | 34.56% | +689 bps | |
| Net Worth / Assets | 27.67% | 27.37% | 27.79% | 33.92% | 34.56% | +689 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.22% | 37.24% | 22.32% | 15.13% | 8.15% | -2,108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Beaver, PA · Charter 2098 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=80-81)
NCUA · 1 branch
Q1 2026
Return on Assets
0.00%
Rank 72 of 81
Net Interest Margin
3.05%
Rank 62 of 81
Efficiency Ratio
100.00%
Rank 72 of 81
Equity / Assets
34.35%
Rank 4 of 81
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.36% | 0.77% | 1.28% | Beats 11% | 72 / 81 | |
| Return on Equity | 0.00% | 1.77% | 5.35% | 8.26% | Beats 10% | 72 / 80 | |
| Net Interest Margin | 3.05% | 3.07% | 3.64% | 4.20% | Beats 23% | 62 / 81 | |
| Efficiency Ratio | 100.00% | 64.79% | 78.72% | 92.77% | Beats 15% | 72 / 81 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.73% | 2.35% | Beats 100% | 6 / 81 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 34.56% | 12.13% | 14.42% | 18.24% | Beats 95% | 4 / 81 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 34.35% | 12.13% | 14.42% | 18.24% | Beats 95% | 4 / 81 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 8.14% | 33.37% | 48.14% | 68.66% | 1st pctl | 80 / 81 | |
| Loans / Assets | 5.34% | 27.98% | 40.54% | 57.54% | 0th pctl | 81 / 81 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||