Pittsburgh, PA · Charter 4233
NCUA · 2 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, 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 (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
9
Asset Quality
49
Profitability
40
Liquidity
60
Efficiency
16
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 4233
NCUA · 2 branches
Q3 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.16% | -0.13% | 0.39% | 0.22% | 0.20% | +36 bps | |
| Return on Equity | -2.11% | -1.71% | 5.11% | 2.83% | 2.36% | +447 bps | |
| Net Interest Margin | 4.75% | 4.69% | 3.58% | 3.85% | 4.17% | -58 bps | |
| Efficiency Ratio | 80.70% | 84.34% | 91.47% | 92.19% | 92.07% | +1,137 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.74% | -7.64% | -6.22% | -2.42% | -12.31% | -656 bps | |
| Loan Growth (YoY) | 22.82% | 6.51% | 7.12% | 4.98% | 1.95% | -2,087 bps | |
| Share Growth (YoY) | -5.22% | -6.87% | -6.53% | -2.19% | -14.10% | -889 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.80% | 1.41% | 0.52% | 0.46% | 0.67% | -313 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.48% | 7.57% | 7.64% | 7.78% | 8.49% | +100 bps | |
| Net Worth / Assets | 7.48% | 7.57% | 7.64% | 7.78% | 8.49% | +100 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.81% | 51.21% | 52.29% | 54.41% | 60.30% | +950 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pittsburgh, PA · Charter 4233 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 2 branches
Q3 2024
Return on Assets
0.20%
Rank 1,391 of 1,761
Net Interest Margin
4.17%
Rank 488 of 1,761
Efficiency Ratio
92.15%
Rank 1,469 of 1,754
Equity / Assets
8.48%
Rank 1,608 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | 0.26% | 0.70% | 1.22% | Beats 21% | 1,391 / 1,761 | |
| Return on Equity | 2.39% | 2.09% | 5.52% | 9.08% | Beats 28% | 1,273 / 1,761 | |
| Net Interest Margin | 4.17% | 3.03% | 3.59% | 4.25% | Beats 72% | 488 / 1,761 | |
| Efficiency Ratio | 92.15% | 68.95% | 77.94% | 87.14% | Beats 16% | 1,469 / 1,754 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.67% | 0.26% | 0.65% | 1.27% | Beats 49% | 903 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.49% | 10.05% | 12.42% | 15.87% | Beats 9% | 1,608 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.48% | 10.05% | 12.42% | 15.87% | Beats 9% | 1,608 / 1,761 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.30% | 56.21% | 73.13% | 85.64% | 30th pctl | 1,228 / 1,759 | |
| Loans / Assets | 56.33% | 47.85% | 62.48% | 73.19% | 39th pctl | 1,083 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||