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Alcoa Pittsburgh

Pittsburgh, PA · Charter 2554

NCUA · 2 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Pittsburgh, PA area3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Pittsburgh, PA area (n=91). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2025peer median (50)

Asset Quality

47

Q2 2024Q2 2025peer median (50)

Profitability

13

Q2 2024Q2 2025peer median (50)

Liquidity

16

Q2 2024Q2 2025peer median

Efficiency

8

Q2 2024Q2 2025peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Alcoa Pittsburgh

Pittsburgh, PA · Charter 2554

NCUA · 2 branches

Q2 2025

$33.2MAssets
$8.9MLoans
$27.9MShares
$4.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.88%, down 120 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.82% of loans (+24 bps YoY).
  • Capital: net worth / assets of 14.76%, up 21 bps from a year ago.
  • Funding: loans stand at 31.77% of shares as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.88%-120 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+61 bps YoY

Efficiency Ratio (YTD, annualized)

121.12%+3,585 bps YoY

Net Worth / Assets

14.76%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.32%0.38%0.38%-1.41%-0.88%-120 bps
Return on Equity2.21%2.60%2.51%-9.79%-5.97%-818 bps
Net Interest Margin2.32%2.50%2.46%2.76%2.93%+61 bps
Efficiency Ratio85.27%84.73%84.41%138.96%121.12%+3,585 bps
Growth
Asset Growth (YoY)-3.30%-6.19%-3.56%-5.46%-2.94%+36 bps
Loan Growth (YoY)-14.40%-13.56%-12.00%-9.79%-6.72%+769 bps
Share Growth (YoY)-4.81%-7.67%-4.61%-6.13%-3.41%+140 bps
Asset Quality
Delinquent Loans / Loans0.57%0.18%0.86%0.66%0.82%+24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.55%14.59%15.08%14.45%14.76%+21 bps
Net Worth / Assets14.55%14.59%15.08%14.45%14.76%+21 bps
Liquidity & Funding
Loans / Shares32.90%34.30%32.86%30.96%31.77%-113 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Alcoa Pittsburgh

Pittsburgh, PA · Charter 2554 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=91)

NCUA · 2 branches

Q2 2025

$33.2MAssets
$8.9MLoans
$27.9MShares
$4.9MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 55% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 41 of 91).
  • Widest gap: return on equity trails 93% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 85 of 91).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

-0.88%

Rank 85 of 91

Net Interest Margin

2.94%

Rank 68 of 91

Efficiency Ratio

121.02%

Rank 85 of 91

Equity / Assets

14.76%

Rank 41 of 91

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.88%0.20%0.77%1.39%Beats 7%85 / 91
Return on Equity-5.96%1.09%5.39%9.23%Beats 7%85 / 91
Net Interest Margin2.94%2.91%3.51%4.16%Beats 25%68 / 91
Efficiency Ratio121.02%61.76%74.32%87.06%Beats 8%85 / 91
Asset Quality
Nonperforming Loans / Loans0.81%0.29%0.72%1.99%Beats 47%49 / 91
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.76%11.65%14.20%17.82%Beats 55%41 / 91
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.76%11.65%14.20%17.82%Beats 55%41 / 91
Liquidity & Funding
Loans / Deposits31.77%35.12%49.71%67.29%18th pctl75 / 91
Loans / Assets26.68%28.97%42.35%57.37%20th pctl73 / 91
Brokered Deposits / Depositsn/aNot reported for this institution