Pennsylvania-American Water
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
$12.0MAssets
$3.7MLoans
$10.4MShares
$1.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 79% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 16 of 78).
- Widest gap: return on equity trails 95% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 74 of 78).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |