Pittsburgh, PA · Charter 2554
NCUA · 2 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
55
Asset Quality
47
Profitability
13
Liquidity
16
Efficiency
8
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 2554
NCUA · 2 branches
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.04% | 0.17% | 0.32% | 0.38% | 0.38% | -1.41% | -0.88% | -120 bps | |
| Return on Equity | 0.79% | 0.31% | 1.25% | 2.21% | 2.60% | 2.51% | -9.79% | -5.97% | -818 bps | |
| Net Interest Margin | 2.11% | 2.06% | 2.04% | 2.32% | 2.50% | 2.46% | 2.76% | 2.93% | +61 bps | |
| Efficiency Ratio | 93.85% | 95.74% | 91.14% | 85.27% | 84.73% | 84.41% | 138.96% | 121.12% | +3,585 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.92% | -8.04% | -2.97% | -3.30% | -6.19% | -3.56% | -5.46% | -2.94% | +36 bps | |
| Loan Growth (YoY) | -3.28% | -10.65% | -12.13% | -14.40% | -13.56% | -12.00% | -9.79% | -6.72% | +769 bps | |
| Share Growth (YoY) | -12.50% | -10.31% | -4.37% | -4.81% | -7.67% | -4.61% | -6.13% | -3.41% | +140 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.68% | 0.70% | 0.57% | 0.18% | 0.86% | 0.66% | 0.82% | +24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.27% | 14.20% | 13.70% | 14.55% | 14.59% | 15.08% | 14.45% | 14.76% | +21 bps | |
| Net Worth / Assets | 14.27% | 14.20% | 13.70% | 14.55% | 14.59% | 15.08% | 14.45% | 14.76% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.64% | 35.62% | 32.21% | 32.90% | 34.30% | 32.86% | 30.96% | 31.77% | -113 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pittsburgh, PA · Charter 2554 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=91)
NCUA · 2 branches
Q2 2025
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 2.94% | 2.91% | 3.51% | 4.16% | Beats 25% | 68 / 91 | ||
| Efficiency Ratio | 121.02% | 61.76% | 74.32% | 87.06% | Beats 8% | 85 / 91 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.81% | 0.29% | 0.72% | 1.99% | Beats 47% | 49 / 91 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.76% | 11.65% | 14.20% | 17.82% | Beats 55% | 41 / 91 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.76% | 11.65% | 14.20% | 17.82% | Beats 55% | 41 / 91 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 31.77% | 35.12% | 49.71% | 67.29% | 18th pctl | 75 / 91 | ||
| Loans / Assets | 26.68% | 28.97% | 42.35% | 57.37% | 20th pctl | 73 / 91 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||