Southwest Communities
Carnegie, PA · Charter 3278 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
$18.6MAssets
$6.1MLoans
$16.7MShares
$1.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 13 of 78).
- Widest gap: equity / assets trails 91% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 71 of 78).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.03%
Rank 71 of 78
Net Interest Margin
3.50%
Rank 46 of 78
Efficiency Ratio
98.67%
Rank 70 of 78
Equity / Assets
10.26%
Rank 71 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.03% | 0.37% | 0.83% | 1.31% | Beats 9% | 71 / 78 | |
| Return on Equity | 0.31% | 1.73% | 5.71% | 9.08% | Beats 10% | 70 / 78 | |
| Net Interest Margin | 3.50% | 3.17% | 3.63% | 4.21% | Beats 41% | 46 / 78 | |
| Efficiency Ratio | 98.67% | 65.01% | 78.15% | 89.28% | Beats 12% | 70 / 78 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.40% | 0.84% | 1.97% | Beats 85% | 13 / 78 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.26% | 12.42% | 15.10% | 18.27% | Beats 9% | 71 / 78 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.26% | 12.42% | 15.10% | 18.27% | Beats 9% | 71 / 78 | |
| Liquidity & Funding |
| Loans / Deposits | 36.75% | 34.83% | 50.41% | 71.84% | 27th pctl | 57 / 78 | |
| Loans / Assets | 32.99% | 29.34% | 41.02% | 56.96% | 36th pctl | 50 / 78 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |