Worthington, PA · Charter 24978
NCUA
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
72
Asset Quality
91
Profitability
77
Liquidity
0
Efficiency
87
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.
Worthington, PA · Charter 24978
NCUA
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 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | 1.59% | 1.56% | 2.15% | 1.78% | n/a | |
| Return on Equity | 9.12% | 8.92% | 12.17% | 9.90% | n/a | |
| Net Interest Margin | 3.59% | 3.56% | 4.14% | 3.83% | n/a | |
| Efficiency Ratio | 59.94% | 60.26% | 53.48% | 58.21% | n/a | |
| Growth | ||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||
| Delinquent Loans / Loans | 0.19% | 0.05% | 0.06% | 0.06% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Capital | ||||||
| Risk-Based Capital | 17.41% | 17.45% | 17.69% | 17.94% | n/a | |
| Net Worth / Assets | 17.41% | 17.45% | 17.69% | 17.94% | n/a | |
| Liquidity & Funding | ||||||
| Loans / Shares | 86.95% | 85.05% | 85.06% | 86.50% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
Worthington, PA · Charter 24978 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA
Q2 2026
Return on Assets
1.77%
Rank 8 of 78
Net Interest Margin
3.83%
Rank 30 of 78
Efficiency Ratio
58.16%
Rank 11 of 78
Equity / Assets
17.94%
Rank 22 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.77% | 0.37% | 0.83% | 1.31% | Beats 90% | 8 / 78 | ||
| Return on Equity | 9.89% | 1.73% | 5.71% | 9.08% | Beats 79% | 16 / 78 | ||
| Net Interest Margin | 3.83% | 3.17% | 3.63% | 4.21% | Beats 62% | 30 / 78 | ||
| Efficiency Ratio | 58.16% | 65.01% | 78.15% | 89.28% | Beats 87% | 11 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.40% | 0.84% | 1.97% | Beats 91% | 8 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.94% | 12.42% | 15.10% | 18.27% | Beats 72% | 22 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.94% | 12.42% | 15.10% | 18.27% | Beats 72% | 22 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.50% | 34.83% | 50.41% | 71.84% | 92nd pctl | 6 / 78 | ||
| Loans / Assets | 71.13% | 29.34% | 41.02% | 56.96% | 91st pctl | 7 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||