Pittsburgh, PA · Charter 21782
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
58
Asset Quality
90
Profitability
71
Liquidity
62
Efficiency
97
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.
Pittsburgh, PA · Charter 21782
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 | 1.07% | 1.41% | 1.74% | 2.10% | 2.08% | 2.00% | 1.96% | 1.78% | -32 bps | |
| Return on Equity | 7.86% | 9.42% | 11.53% | 13.68% | 13.38% | 12.85% | 13.00% | 11.55% | -214 bps | |
| Net Interest Margin | 2.49% | 2.89% | 3.24% | 3.36% | 3.39% | 3.40% | 3.40% | 3.35% | -1 bps | |
| Efficiency Ratio | 58.45% | 55.31% | 47.03% | 41.69% | 42.83% | 43.14% | 41.56% | 46.96% | +527 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.69% | -4.65% | -2.31% | -2.83% | 0.83% | 10.19% | 14.71% | 12.73% | +1,556 bps | |
| Loan Growth (YoY) | 16.25% | 12.50% | 4.74% | -5.85% | -7.96% | -4.37% | 0.91% | 6.57% | +1,243 bps | |
| Share Growth (YoY) | -0.47% | 2.48% | 8.29% | 2.19% | 3.73% | 9.23% | 14.41% | 12.35% | +1,016 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.13% | 0.00% | 0.18% | 0.18% | 0.08% | 0.07% | 0.07% | -11 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 | 13.55% | 15.01% | 15.07% | 15.32% | 15.53% | 15.60% | 15.10% | 15.39% | +7 bps | |
| Net Worth / Assets | 13.55% | 15.01% | 15.07% | 15.32% | 15.53% | 15.60% | 15.10% | 15.39% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.05% | 73.05% | 68.30% | 64.92% | 64.81% | 63.95% | 60.25% | 61.58% | -334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pittsburgh, PA · Charter 21782 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
1.78%
Rank 7 of 78
Net Interest Margin
3.34%
Rank 54 of 78
Efficiency Ratio
47.13%
Rank 3 of 78
Equity / Assets
15.39%
Rank 33 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.78% | 0.37% | 0.83% | 1.31% | Beats 91% | 7 / 78 | ||
| Return on Equity | 11.58% | 1.73% | 5.71% | 9.08% | Beats 90% | 8 / 78 | ||
| Net Interest Margin | 3.34% | 3.17% | 3.63% | 4.21% | Beats 31% | 54 / 78 | ||
| Efficiency Ratio | 47.13% | 65.01% | 78.15% | 89.28% | Beats 97% | 3 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.40% | 0.84% | 1.97% | Beats 90% | 9 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.39% | 12.42% | 15.10% | 18.27% | Beats 58% | 33 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.39% | 12.42% | 15.10% | 18.27% | Beats 58% | 33 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.57% | 34.83% | 50.41% | 71.84% | 63rd pctl | 29 / 78 | ||
| Loans / Assets | 51.91% | 29.34% | 41.02% | 56.96% | 64th pctl | 28 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||