PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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