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Elliott Community

Jeannette, PA · Charter 390

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Pittsburgh, PA area3

Basis

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.

Peer group

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.

Peer standing

Capital

51

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

41

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Elliott Community

Jeannette, PA · Charter 390

NCUA · 5 branches

Q2 2026

$53.7MAssets
$33.3MLoans
$45.6MShares
$8.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.86%, down 33 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.38% of loans (-9 bps YoY).
  • Capital: net worth / assets of 15.15%, up 94 bps from a year ago.
  • Funding: loans stand at 72.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%-33 bps YoY

Net Interest Margin (YTD, annualized)

4.48%+11 bps YoY

Efficiency Ratio (YTD, annualized)

82.08%+776 bps YoY

Net Worth / Assets

15.15%+94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.16%1.18%0.72%0.86%-33 bps
Return on Equity8.41%7.91%7.81%4.90%5.71%-270 bps
Net Interest Margin4.37%4.47%4.53%4.28%4.48%+11 bps
Efficiency Ratio74.32%75.60%75.78%82.88%82.08%+776 bps
Growth
Asset Growth (YoY)4.09%3.28%0.99%1.03%0.18%-391 bps
Loan Growth (YoY)2.58%1.43%3.12%5.04%5.53%+295 bps
Share Growth (YoY)2.82%2.31%-0.20%-0.03%-0.72%-353 bps
Asset Quality
Delinquent Loans / Loans0.47%0.37%0.77%0.39%0.38%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.20%14.68%15.09%14.74%15.15%+94 bps
Net Worth / Assets14.20%14.68%15.09%14.74%15.15%+94 bps
Liquidity & Funding
Loans / Shares68.59%71.95%73.61%70.86%72.90%+431 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Elliott Community

Jeannette, PA · Charter 390 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)

NCUA · 5 branches

Q2 2026

$53.7MAssets
$33.3MLoans
$45.6MShares
$8.1MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 9 of 78).
  • Widest gap: efficiency ratio trails 59% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 47 of 78).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

0.86%

Rank 38 of 78

Net Interest Margin

4.48%

Rank 9 of 78

Efficiency Ratio

82.08%

Rank 47 of 78

Equity / Assets

15.15%

Rank 38 of 78

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.86%0.37%0.83%1.31%Beats 51%38 / 78
Return on Equity5.71%1.73%5.71%9.08%Beats 50%39 / 78
Net Interest Margin4.48%3.17%3.63%4.21%Beats 88%9 / 78
Efficiency Ratio82.08%65.01%78.15%89.28%Beats 41%47 / 78
Asset Quality
Nonperforming Loans / Loans0.38%0.40%0.84%1.97%Beats 78%18 / 78
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.15%12.42%15.10%18.27%Beats 51%38 / 78
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.15%12.42%15.10%18.27%Beats 51%38 / 78
Liquidity & Funding
Loans / Deposits72.90%34.83%50.41%71.84%78th pctl17 / 78
Loans / Assets61.98%29.34%41.02%56.96%78th pctl17 / 78
Brokered Deposits / Depositsn/aNot reported for this institution