Beaver Falls, PA · Charter 21845
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
65
Asset Quality
32
Profitability
41
Liquidity
93
Efficiency
45
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.
Beaver Falls, PA · Charter 21845
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.76% | 0.69% | 0.66% | 0.69% | -2 bps | |
| Return on Equity | 4.37% | 4.62% | 4.13% | 3.97% | 4.13% | -24 bps | |
| Net Interest Margin | 3.38% | 3.39% | 3.33% | 3.46% | 3.49% | +11 bps | |
| Efficiency Ratio | 81.75% | 78.57% | 80.50% | 80.95% | 80.82% | -92 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.69% | -1.66% | -1.58% | -1.75% | 1.33% | +502 bps | |
| Loan Growth (YoY) | 4.71% | 1.80% | -1.09% | 0.90% | -1.44% | -615 bps | |
| Share Growth (YoY) | -5.21% | -2.74% | -2.82% | -2.87% | 0.80% | +601 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.36% | 0.00% | 1.08% | 1.65% | 1.45% | +9 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.37% | 16.44% | 16.73% | 16.70% | 16.82% | +44 bps | |
| Net Worth / Assets | 16.37% | 16.44% | 16.73% | 16.70% | 16.82% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.58% | 47.92% | 48.78% | 47.88% | 47.50% | -108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Beaver Falls, PA · Charter 21845 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
0.69%
Rank 45 of 78
Net Interest Margin
3.49%
Rank 47 of 78
Efficiency Ratio
80.78%
Rank 44 of 78
Equity / Assets
16.82%
Rank 27 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.37% | 0.83% | 1.31% | Beats 42% | 45 / 78 | |
| Return on Equity | 4.11% | 1.73% | 5.71% | 9.08% | Beats 41% | 46 / 78 | |
| Net Interest Margin | 3.49% | 3.17% | 3.63% | 4.21% | Beats 40% | 47 / 78 | |
| Efficiency Ratio | 80.78% | 65.01% | 78.15% | 89.28% | Beats 45% | 44 / 78 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.46% | 0.40% | 0.84% | 1.97% | Beats 32% | 54 / 78 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.82% | 12.42% | 15.10% | 18.27% | Beats 65% | 27 / 78 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.82% | 12.42% | 15.10% | 18.27% | Beats 65% | 27 / 78 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.50% | 34.83% | 50.41% | 71.84% | 46th pctl | 42 / 78 | |
| Loans / Assets | 39.23% | 29.34% | 41.02% | 56.96% | 42nd pctl | 45 / 78 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||