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Letter portraitLegal landscapeQuarterYTD

Greater Pittsburgh Police

Pittsburgh, PA · Charter 240

NCUA · 3 branches

Q2 2026

$109.9MAssets
$50.3MLoans
$88.7MShares
$20.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, down 84 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.61% of loans (+12 bps YoY).
  • Capital: net worth / assets of 18.69%, up 23 bps from a year ago.
  • Funding: loans stand at 56.72% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.50%-84 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-51 bps YoY

Efficiency Ratio (YTD, annualized)

84.18%+1,523 bps YoY

Net Worth / Assets

18.69%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.23%1.70%1.08%1.34%1.39%1.37%0.60%0.50%-84 bps
Return on Equity10.73%9.23%5.99%7.28%7.41%7.35%3.24%2.68%-460 bps
Net Interest Margin4.25%4.21%4.23%4.32%4.33%4.20%3.74%3.81%-51 bps
Efficiency Ratio53.62%63.93%72.64%68.95%68.56%68.27%81.70%84.18%+1,523 bps
Growth
Asset Growth (YoY)1.05%30.04%30.74%31.06%30.34%5.41%5.01%4.13%-2,694 bps
Loan Growth (YoY)5.29%35.85%36.10%34.09%31.71%0.24%-1.43%-3.79%-3,788 bps
Share Growth (YoY)-1.69%32.77%33.57%34.13%33.65%4.48%4.48%3.70%-3,043 bps
Asset Quality
Delinquent Loans / Loans0.33%0.46%0.45%0.49%0.80%0.67%0.72%0.61%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.77%18.46%18.06%18.46%18.74%18.65%18.44%18.69%+23 bps
Net Worth / Assets20.77%18.46%18.06%18.46%18.74%18.65%18.44%18.69%+23 bps
Liquidity & Funding
Loans / Shares61.87%61.98%60.62%61.13%60.97%59.46%57.19%56.72%-441 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps