U.A.L.U. 354
Youngwood, PA · Charter 23174 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
$6.9MAssets
$4.0MLoans
$6.1MShares
$812KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 4 of 78).
- Widest gap: equity / assets trails 79% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 62 of 78).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |