PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

I.B.E.W. - Local No. 5

Pittsburgh, PA · Charter 21782

NCUA · 1 branch

Q2 2026

$15.4MAssets
$8.0MLoans
$13.0MShares
$2.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.78%, down 32 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.07% of loans (-11 bps YoY).
  • Capital: net worth / assets of 15.39%, up 7 bps from a year ago.
  • Funding: loans stand at 61.58% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.78%-32 bps YoY

Net Interest Margin (quarter, annualized)

3.35%-1 bps YoY

Efficiency Ratio (quarter, annualized)

46.96%+527 bps YoY

Net Worth / Assets

15.39%+7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.10%2.08%2.00%1.96%1.78%-32 bps
Return on Equity13.68%13.38%12.85%13.00%11.55%-214 bps
Net Interest Margin3.36%3.39%3.40%3.40%3.35%-1 bps
Efficiency Ratio41.69%42.83%43.14%41.56%46.96%+527 bps
Growth
Asset Growth (YoY)-2.83%0.83%10.19%14.71%12.73%+1,556 bps
Loan Growth (YoY)-5.85%-7.96%-4.37%0.91%6.57%+1,243 bps
Share Growth (YoY)2.19%3.73%9.23%14.41%12.35%+1,016 bps
Asset Quality
Delinquent Loans / Loans0.18%0.18%0.08%0.07%0.07%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.32%15.53%15.60%15.10%15.39%+7 bps
Net Worth / Assets15.32%15.53%15.60%15.10%15.39%+7 bps
Liquidity & Funding
Loans / Shares64.92%64.81%63.95%60.25%61.58%-334 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps