Pittsburgh, PA · Charter 240
NCUA · 3 branches
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
76
Asset Quality
63
Profitability
40
Liquidity
77
Efficiency
35
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 240
NCUA · 3 branches
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 | 1.34% | 1.39% | 1.37% | 0.60% | 0.50% | -84 bps | |
| Return on Equity | 7.28% | 7.41% | 7.35% | 3.24% | 2.68% | -460 bps | |
| Net Interest Margin | 4.32% | 4.33% | 4.20% | 3.74% | 3.81% | -51 bps | |
| Efficiency Ratio | 68.95% | 68.56% | 68.27% | 81.70% | 84.18% | +1,523 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 31.06% | 30.34% | 5.41% | 5.01% | 4.13% | -2,694 bps | |
| Loan Growth (YoY) | 34.09% | 31.71% | 0.24% | -1.43% | -3.79% | -3,788 bps | |
| Share Growth (YoY) | 34.13% | 33.65% | 4.48% | 4.48% | 3.70% | -3,043 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 0.80% | 0.67% | 0.72% | 0.61% | +12 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 | 18.46% | 18.74% | 18.65% | 18.44% | 18.69% | +23 bps | |
| Net Worth / Assets | 18.46% | 18.74% | 18.65% | 18.44% | 18.69% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.13% | 60.97% | 59.46% | 57.19% | 56.72% | -441 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pittsburgh, PA · Charter 240 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 3 branches
Q2 2026
Return on Assets
0.50%
Rank 54 of 78
Net Interest Margin
3.81%
Rank 32 of 78
Efficiency Ratio
84.13%
Rank 52 of 78
Equity / Assets
18.69%
Rank 19 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.37% | 0.83% | 1.31% | Beats 31% | 54 / 78 | |
| Return on Equity | 2.68% | 1.73% | 5.71% | 9.08% | Beats 31% | 54 / 78 | |
| Net Interest Margin | 3.81% | 3.17% | 3.63% | 4.21% | Beats 59% | 32 / 78 | |
| Efficiency Ratio | 84.13% | 65.01% | 78.15% | 89.28% | Beats 35% | 52 / 78 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.61% | 0.40% | 0.84% | 1.97% | Beats 63% | 30 / 78 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.69% | 12.42% | 15.10% | 18.27% | Beats 76% | 19 / 78 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.69% | 12.42% | 15.10% | 18.27% | Beats 76% | 19 / 78 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.72% | 34.83% | 50.41% | 71.84% | 59th pctl | 32 / 78 | |
| Loans / Assets | 45.79% | 29.34% | 41.02% | 56.96% | 56th pctl | 34 / 78 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||