Youngwood, PA · Charter 23174
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
21
Asset Quality
76
Profitability
82
Liquidity
51
Efficiency
56
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.
Youngwood, PA · Charter 23174
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 | 0.38% | -0.42% | 0.02% | 0.08% | -1.26% | -1.42% | 0.67% | 1.21% | +114 bps | |
| Return on Equity | 2.91% | -3.37% | 0.19% | 0.63% | -10.64% | -12.33% | 5.72% | 10.35% | +972 bps | |
| Net Interest Margin | 4.63% | 4.82% | 5.07% | 5.08% | 5.10% | 5.22% | 4.89% | 4.95% | -13 bps | |
| Efficiency Ratio | 82.73% | 82.14% | 78.40% | 77.24% | 83.12% | 82.71% | 83.50% | 74.34% | -290 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.72% | -4.79% | -4.35% | -2.79% | -3.58% | -2.46% | -3.23% | 0.97% | +376 bps | |
| Loan Growth (YoY) | -6.94% | -8.56% | -13.34% | -15.41% | -18.91% | -17.86% | -12.02% | -8.50% | +690 bps | |
| Share Growth (YoY) | -6.85% | -5.08% | -4.48% | -2.54% | -2.47% | -1.59% | -2.53% | 2.11% | +465 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.90% | 8.24% | 6.45% | 4.09% | 1.77% | 0.20% | 0.04% | 0.41% | -369 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 | 1.71% | 2.38% | 2.89% | 1.32% | 2.01% | 2.12% | 2.24% | 2.36% | +104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.92% | 12.47% | 12.30% | 12.52% | 11.83% | 11.50% | 11.64% | 11.74% | -78 bps | |
| Net Worth / Assets | 12.92% | 12.47% | 12.30% | 12.52% | 11.83% | 11.50% | 11.64% | 11.74% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.51% | 80.22% | 76.08% | 73.05% | 67.77% | 66.95% | 68.67% | 65.46% | -759 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Youngwood, PA · Charter 23174 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
1.21%
Rank 25 of 78
Net Interest Margin
4.95%
Rank 4 of 78
Efficiency Ratio
74.57%
Rank 35 of 78
Equity / Assets
11.74%
Rank 62 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.37% | 0.83% | 1.31% | Beats 68% | 25 / 78 | ||
| Return on Equity | 10.34% | 1.73% | 5.71% | 9.08% | Beats 83% | 13 / 78 | ||
| Net Interest Margin | 4.95% | 3.17% | 3.63% | 4.21% | Beats 95% | 4 / 78 | ||
| Efficiency Ratio | 74.57% | 65.01% | 78.15% | 89.28% | Beats 56% | 35 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.40% | 0.40% | 0.84% | 1.97% | Beats 76% | 20 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.74% | 12.42% | 15.10% | 18.27% | Beats 21% | 62 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.74% | 12.42% | 15.10% | 18.27% | Beats 21% | 62 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.47% | 34.83% | 50.41% | 71.84% | 69th pctl | 24 / 78 | ||
| Loans / Assets | 57.81% | 29.34% | 41.02% | 56.96% | 76th pctl | 19 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||