Butler, PA · Charter 3085
NCUA · 1 branch
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
41
Asset Quality
28
Profitability
73
Liquidity
16
Efficiency
100
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.
Butler, PA · Charter 3085
NCUA · 1 branch
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 | 1.72% | 1.82% | 1.94% | 2.12% | 2.21% | 2.23% | 2.16% | 2.27% | +15 bps | |
| Return on Equity | 17.21% | 17.06% | 17.43% | 18.18% | 17.93% | 17.29% | 16.32% | 16.52% | -167 bps | |
| Net Interest Margin | 2.95% | 3.06% | 3.28% | 3.38% | 3.43% | 3.41% | 3.17% | 3.22% | -16 bps | |
| Efficiency Ratio | 34.83% | 35.72% | 33.71% | 32.62% | 32.68% | 31.27% | 24.59% | 25.87% | -675 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.46% | 0.24% | -1.67% | -0.88% | -1.52% | -0.17% | 1.30% | 1.39% | +227 bps | |
| Loan Growth (YoY) | 3.57% | -3.35% | -6.37% | -12.99% | -16.82% | -19.93% | -19.83% | -19.91% | -691 bps | |
| Share Growth (YoY) | -2.73% | -2.39% | -3.85% | -3.44% | -3.57% | -2.28% | -2.15% | -1.06% | +238 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.18% | 0.71% | 0.71% | 1.01% | 2.17% | 2.43% | 1.85% | +114 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 | 10.00% | 10.64% | 11.13% | 11.66% | 12.31% | 12.88% | 13.23% | 13.76% | +210 bps | |
| Net Worth / Assets | 10.00% | 10.64% | 11.13% | 11.66% | 12.31% | 12.88% | 13.23% | 13.76% | +210 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.61% | 40.97% | 38.57% | 36.98% | 35.89% | 33.57% | 31.60% | 29.94% | -704 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Butler, PA · Charter 3085 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
2.27%
Rank 4 of 78
Net Interest Margin
3.21%
Rank 57 of 78
Efficiency Ratio
25.86%
Rank 1 of 78
Equity / Assets
13.76%
Rank 46 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.27% | 0.37% | 0.83% | 1.31% | Beats 95% | 4 / 78 | ||
| Return on Equity | 16.51% | 1.73% | 5.71% | 9.08% | Beats 97% | 2 / 78 | ||
| Net Interest Margin | 3.21% | 3.17% | 3.63% | 4.21% | Beats 27% | 57 / 78 | ||
| Efficiency Ratio | 25.86% | 65.01% | 78.15% | 89.28% | Beats 100% | 1 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.85% | 0.40% | 0.84% | 1.97% | Beats 28% | 57 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.76% | 12.42% | 15.10% | 18.27% | Beats 41% | 46 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.76% | 12.42% | 15.10% | 18.27% | Beats 41% | 46 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 29.93% | 34.83% | 50.41% | 71.84% | 15th pctl | 66 / 78 | ||
| Loans / Assets | 25.71% | 29.34% | 41.02% | 56.96% | 18th pctl | 64 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||