Bethel Park, PA · Charter 21556
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
32
Asset Quality
72
Profitability
30
Liquidity
39
Efficiency
10
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.
Bethel Park, PA · Charter 21556
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 | 0.51% | 0.42% | 0.36% | 0.54% | 0.60% | 0.53% | -0.59% | -0.26% | -81 bps | |
| Return on Equity | 4.62% | 3.67% | 3.11% | 4.60% | 4.86% | 4.10% | -4.60% | -2.04% | -663 bps | |
| Net Interest Margin | 4.16% | 4.35% | 4.18% | 4.29% | 4.45% | 4.55% | 4.20% | 4.32% | +3 bps | |
| Efficiency Ratio | 88.62% | 86.98% | 88.57% | 85.88% | 85.83% | 86.87% | 100.48% | 99.52% | +1,364 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.63% | -10.20% | -11.05% | -11.30% | -7.11% | -6.08% | -6.63% | -6.93% | +437 bps | |
| Loan Growth (YoY) | -6.08% | -11.78% | -12.56% | -12.51% | -15.83% | -15.10% | -19.40% | -23.16% | -1,065 bps | |
| Share Growth (YoY) | -11.19% | -11.17% | -12.66% | -13.04% | -8.46% | -7.55% | -7.70% | -7.22% | +582 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.31% | 0.55% | 0.19% | 0.64% | 0.19% | 0.27% | 0.40% | +21 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 | 11.09% | 11.58% | 11.62% | 11.85% | 12.42% | 12.86% | 12.72% | 12.84% | +99 bps | |
| Net Worth / Assets | 11.09% | 11.58% | 11.62% | 11.85% | 12.42% | 12.86% | 12.72% | 12.84% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.27% | 44.45% | 42.31% | 42.38% | 41.62% | 40.82% | 36.95% | 35.10% | -728 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bethel Park, PA · Charter 21556 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.27%
Rank 74 of 78
Net Interest Margin
4.33%
Rank 16 of 78
Efficiency Ratio
99.29%
Rank 71 of 78
Equity / Assets
12.84%
Rank 53 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.27% | 0.37% | 0.83% | 1.31% | Beats 5% | 74 / 78 | ||
| Return on Equity | -2.08% | 1.73% | 5.71% | 9.08% | Beats 5% | 74 / 78 | ||
| Net Interest Margin | 4.33% | 3.17% | 3.63% | 4.21% | Beats 79% | 16 / 78 | ||
| Efficiency Ratio | 99.29% | 65.01% | 78.15% | 89.28% | Beats 10% | 71 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.41% | 0.40% | 0.84% | 1.97% | Beats 72% | 23 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.84% | 12.42% | 15.10% | 18.27% | Beats 32% | 53 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.84% | 12.42% | 15.10% | 18.27% | Beats 32% | 53 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 35.11% | 34.83% | 50.41% | 71.84% | 26th pctl | 58 / 78 | ||
| Loans / Assets | 30.57% | 29.34% | 41.02% | 56.96% | 27th pctl | 57 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||