Pittsburgh, PA · Charter 3810
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
69
Asset Quality
24
Profitability
51
Liquidity
0
Efficiency
92
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.
Pittsburgh, PA · Charter 3810
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 | 1.70% | 0.79% | 1.77% | 1.55% | 1.91% | 0.58% | 1.02% | 1.12% | -43 bps | |
| Return on Equity | 9.74% | 4.59% | 10.19% | 8.71% | 10.40% | 3.26% | 5.80% | 6.38% | -233 bps | |
| Net Interest Margin | 3.43% | 2.92% | 3.56% | 3.52% | 3.70% | 2.62% | 3.19% | 3.42% | -10 bps | |
| Efficiency Ratio | 46.23% | 59.15% | 51.58% | 48.44% | 42.80% | 64.94% | 54.39% | 52.31% | +387 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.73% | -6.25% | -3.08% | -1.67% | 0.61% | 0.87% | 0.71% | 3.23% | +491 bps | |
| Loan Growth (YoY) | 6.16% | 1.35% | 5.73% | 9.41% | 18.01% | 24.79% | 16.21% | 15.41% | +600 bps | |
| Share Growth (YoY) | -7.55% | -8.19% | -4.84% | -3.23% | -0.58% | 0.33% | 0.38% | 3.49% | +672 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.15% | 1.74% | 1.33% | 0.44% | 0.52% | 2.29% | 2.38% | 2.04% | +160 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 | 17.44% | 17.31% | 17.39% | 17.82% | 18.40% | 17.72% | 17.64% | 17.60% | -21 bps | |
| Net Worth / Assets | 17.44% | 17.31% | 17.39% | 17.82% | 18.40% | 17.72% | 17.64% | 17.60% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.11% | 22.64% | 22.58% | 23.04% | 27.43% | 28.16% | 26.14% | 25.69% | +265 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pittsburgh, PA · Charter 3810 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
1.13%
Rank 28 of 78
Net Interest Margin
3.42%
Rank 51 of 78
Efficiency Ratio
52.33%
Rank 7 of 78
Equity / Assets
17.60%
Rank 24 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 0.37% | 0.83% | 1.31% | Beats 64% | 28 / 78 | ||
| Return on Equity | 6.39% | 1.73% | 5.71% | 9.08% | Beats 53% | 37 / 78 | ||
| Net Interest Margin | 3.42% | 3.17% | 3.63% | 4.21% | Beats 35% | 51 / 78 | ||
| Efficiency Ratio | 52.33% | 65.01% | 78.15% | 89.28% | Beats 92% | 7 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.04% | 0.40% | 0.84% | 1.97% | Beats 24% | 60 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.60% | 12.42% | 15.10% | 18.27% | Beats 69% | 24 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.60% | 12.42% | 15.10% | 18.27% | Beats 69% | 24 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 25.70% | 34.83% | 50.41% | 71.84% | 9th pctl | 71 / 78 | ||
| Loans / Assets | 21.15% | 29.34% | 41.02% | 56.96% | 9th pctl | 71 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||