Carnegie, PA · Charter 21530
NCUA · 1 branch
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 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.
Capital
10
Asset Quality
23
Profitability
26
Liquidity
30
Efficiency
5
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.
Carnegie, PA · Charter 21530
NCUA · 1 branch
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 | -0.74% | -0.73% | -0.13% | -0.20% | -0.33% | -0.90% | -0.99% | -0.54% | -34 bps | |
| Return on Equity | -6.21% | -6.23% | -1.11% | -1.68% | -2.86% | -8.28% | -9.58% | -5.23% | -356 bps | |
| Net Interest Margin | 3.73% | 3.79% | 4.40% | 4.32% | 4.43% | 4.47% | 4.20% | 4.22% | -11 bps | |
| Efficiency Ratio | 110.21% | 107.54% | 102.58% | 98.14% | 98.37% | 99.70% | 112.62% | 104.72% | +657 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.88% | -8.67% | -12.47% | -6.81% | -1.60% | -0.48% | 4.88% | 2.89% | +971 bps | |
| Loan Growth (YoY) | 68.35% | 45.75% | 31.53% | 26.45% | 17.54% | 6.52% | 1.45% | -8.82% | -3,527 bps | |
| Share Growth (YoY) | -6.89% | -9.02% | -13.45% | -7.23% | -1.36% | 0.43% | 6.81% | 4.59% | +1,182 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.11% | 0.17% | 0.33% | 1.16% | 0.76% | 1.61% | 2.10% | +176 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 | 0.87% | 0.93% | 0.88% | 1.02% | 1.12% | 1.76% | 1.82% | 1.92% | +89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.83% | 11.74% | 11.93% | 11.65% | 11.60% | 10.89% | 10.29% | 10.27% | -137 bps | |
| Net Worth / Assets | 11.83% | 11.74% | 11.93% | 11.65% | 11.60% | 10.89% | 10.29% | 10.27% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.58% | 77.46% | 81.98% | 82.89% | 85.29% | 82.15% | 77.86% | 72.26% | -1,063 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Carnegie, PA · Charter 21530 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.53%
Rank 77 of 78
Net Interest Margin
4.21%
Rank 20 of 78
Efficiency Ratio
104.91%
Rank 75 of 78
Equity / Assets
10.27%
Rank 70 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.53% | 0.37% | 0.83% | 1.31% | Beats 1% | 77 / 78 | ||
| Return on Equity | -5.20% | 1.73% | 5.71% | 9.08% | Beats 3% | 76 / 78 | ||
| Net Interest Margin | 4.21% | 3.17% | 3.63% | 4.21% | Beats 74% | 20 / 78 | ||
| Efficiency Ratio | 104.91% | 65.01% | 78.15% | 89.28% | Beats 5% | 75 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.09% | 0.40% | 0.84% | 1.97% | Beats 23% | 61 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.27% | 12.42% | 15.10% | 18.27% | Beats 10% | 70 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.27% | 12.42% | 15.10% | 18.27% | Beats 10% | 70 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.25% | 34.83% | 50.41% | 71.84% | 76th pctl | 19 / 78 | ||
| Loans / Assets | 64.74% | 29.34% | 41.02% | 56.96% | 81st pctl | 15 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||