Rochester, PA · Charter 3487
NCUA · 3 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
78
Asset Quality
50
Profitability
87
Liquidity
29
Efficiency
94
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.
Rochester, PA · Charter 3487
NCUA · 3 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 | 1.26% | 1.45% | 2.01% | 1.96% | 2.11% | 2.16% | 2.11% | 2.31% | +36 bps | |
| Return on Equity | 7.75% | 8.52% | 11.74% | 11.20% | 11.97% | 11.80% | 11.58% | 12.18% | +98 bps | |
| Net Interest Margin | 3.01% | 3.24% | 3.78% | 3.88% | 3.92% | 4.01% | 4.05% | 4.15% | +27 bps | |
| Efficiency Ratio | 64.62% | 61.54% | 52.43% | 51.41% | 50.01% | 51.22% | 54.43% | 51.88% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.71% | 2.82% | 4.25% | 3.57% | 4.06% | 5.53% | 6.52% | 4.73% | +116 bps | |
| Loan Growth (YoY) | 2.81% | -2.83% | -1.89% | -2.38% | 2.41% | 5.63% | 2.65% | 0.17% | +255 bps | |
| Share Growth (YoY) | 0.31% | 1.58% | 3.42% | 2.03% | 3.76% | 3.94% | 4.28% | 2.79% | +76 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 1.20% | 0.87% | 1.02% | 1.09% | 0.95% | 0.80% | 0.84% | -18 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 | 16.27% | 17.02% | 17.17% | 17.47% | 17.66% | 18.26% | 18.24% | 18.97% | +151 bps | |
| Net Worth / Assets | 16.27% | 17.02% | 17.17% | 17.47% | 17.66% | 18.26% | 18.24% | 18.97% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.13% | 33.22% | 32.73% | 33.77% | 33.68% | 33.76% | 32.22% | 32.91% | -86 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rochester, PA · Charter 3487 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 3 branches
Q2 2026
Return on Assets
2.31%
Rank 3 of 78
Net Interest Margin
4.15%
Rank 21 of 78
Efficiency Ratio
51.86%
Rank 6 of 78
Equity / Assets
18.97%
Rank 17 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.31% | 0.37% | 0.83% | 1.31% | Beats 96% | 3 / 78 | ||
| Return on Equity | 12.18% | 1.73% | 5.71% | 9.08% | Beats 92% | 6 / 78 | ||
| Net Interest Margin | 4.15% | 3.17% | 3.63% | 4.21% | Beats 73% | 21 / 78 | ||
| Efficiency Ratio | 51.86% | 65.01% | 78.15% | 89.28% | Beats 94% | 6 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.40% | 0.84% | 1.97% | Beats 50% | 40 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.97% | 12.42% | 15.10% | 18.27% | Beats 78% | 17 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.97% | 12.42% | 15.10% | 18.27% | Beats 78% | 17 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.91% | 34.83% | 50.41% | 71.84% | 22nd pctl | 61 / 78 | ||
| Loans / Assets | 26.62% | 29.34% | 41.02% | 56.96% | 21st pctl | 62 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||