Wampum, PA · Charter 2612
NCUA · 2 branches
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
36
Asset Quality
41
Profitability
32
Liquidity
0
Efficiency
29
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.
Wampum, PA · Charter 2612
NCUA · 2 branches
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.53% | 0.93% | 0.62% | 0.47% | 0.61% | 0.07% | -0.36% | -98 bps | |
| Return on Equity | 4.60% | 4.35% | 7.56% | 5.12% | 3.85% | 4.78% | 0.53% | -2.69% | -781 bps | |
| Net Interest Margin | 4.11% | 4.21% | 4.49% | 4.37% | 4.29% | 4.34% | 4.38% | 4.46% | +9 bps | |
| Efficiency Ratio | 87.27% | 86.69% | 80.27% | 86.47% | 89.57% | 86.98% | 85.29% | 86.69% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.44% | 2.03% | -1.02% | 1.77% | 1.11% | 0.50% | -3.33% | -7.27% | -904 bps | |
| Loan Growth (YoY) | 7.81% | 14.51% | 11.38% | 10.67% | 7.97% | -2.14% | -3.93% | -8.51% | -1,918 bps | |
| Share Growth (YoY) | 1.06% | 1.87% | -1.77% | 2.01% | 0.88% | -0.14% | -4.03% | -8.43% | -1,044 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 1.01% | 0.95% | 0.84% | 1.25% | 1.90% | 1.66% | 1.09% | +25 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 | 0.98% | 0.98% | 0.98% | 0.97% | 1.00% | 1.00% | 1.01% | 1.01% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.94% | 12.12% | 12.33% | 12.19% | 12.28% | 12.67% | 13.16% | 13.27% | +108 bps | |
| Net Worth / Assets | 11.94% | 12.12% | 12.33% | 12.19% | 12.28% | 12.67% | 13.16% | 13.27% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.08% | 84.43% | 83.89% | 83.22% | 81.42% | 82.74% | 83.98% | 83.15% | -7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wampum, PA · Charter 2612 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.37%
Rank 75 of 78
Net Interest Margin
4.46%
Rank 10 of 78
Efficiency Ratio
86.84%
Rank 56 of 78
Equity / Assets
13.28%
Rank 50 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.37% | 0.37% | 0.83% | 1.31% | Beats 4% | 75 / 78 | ||
| Return on Equity | -2.77% | 1.73% | 5.71% | 9.08% | Beats 4% | 75 / 78 | ||
| Net Interest Margin | 4.46% | 3.17% | 3.63% | 4.21% | Beats 87% | 10 / 78 | ||
| Efficiency Ratio | 86.84% | 65.01% | 78.15% | 89.28% | Beats 29% | 56 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.08% | 0.40% | 0.84% | 1.97% | Beats 41% | 47 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.28% | 12.42% | 15.10% | 18.27% | Beats 36% | 50 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.28% | 12.42% | 15.10% | 18.27% | Beats 36% | 50 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.15% | 34.83% | 50.41% | 71.84% | 91st pctl | 7 / 78 | ||
| Loans / Assets | 71.90% | 29.34% | 41.02% | 56.96% | 95th pctl | 4 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||