PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Paac Transit Division

Pittsburgh, PA · Charter 3810

NCUA · 1 branch

Q2 2026

$29.2MAssets
$6.2MLoans
$24.0MShares
$5.1MNet Worth

Executive Summary

  • Earnings: ROA of 1.12%, down 43 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 2.04% of loans (+160 bps YoY).
  • Capital: net worth / assets of 17.60%, down 21 bps from a year ago.
  • Funding: loans stand at 25.69% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.12%-43 bps YoY

Net Interest Margin (YTD, annualized)

3.42%-10 bps YoY

Efficiency Ratio (YTD, annualized)

52.31%+387 bps YoY

Net Worth / Assets

17.60%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%0.79%1.77%1.55%1.91%0.58%1.02%1.12%-43 bps
Return on Equity9.74%4.59%10.19%8.71%10.40%3.26%5.80%6.38%-233 bps
Net Interest Margin3.43%2.92%3.56%3.52%3.70%2.62%3.19%3.42%-10 bps
Efficiency Ratio46.23%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 / Loans2.15%1.74%1.33%0.44%0.52%2.29%2.38%2.04%+160 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.44%17.31%17.39%17.82%18.40%17.72%17.64%17.60%-21 bps
Net Worth / Assets17.44%17.31%17.39%17.82%18.40%17.72%17.64%17.60%-21 bps
Liquidity & Funding
Loans / Shares23.11%22.64%22.58%23.04%27.43%28.16%26.14%25.69%+265 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps