Elizabeth, PA · Charter 4828
NCUA · 4 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
87
Asset Quality
53
Profitability
74
Liquidity
30
Efficiency
74
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.
Elizabeth, PA · Charter 4828
NCUA · 4 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 | 1.00% | 0.85% | 1.04% | 0.86% | 0.84% | 1.14% | 1.76% | 1.44% | +58 bps | |
| Return on Equity | 4.38% | 3.67% | 4.54% | 3.66% | 3.46% | 4.64% | 7.19% | 5.69% | +204 bps | |
| Net Interest Margin | 4.39% | 4.15% | 4.48% | 4.73% | 4.98% | 5.01% | 5.02% | 5.24% | +51 bps | |
| Efficiency Ratio | 76.84% | 77.70% | 72.29% | 71.28% | 73.59% | 71.34% | 63.65% | 66.10% | -518 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.31% | -1.22% | -2.24% | -2.16% | -2.74% | -1.25% | -0.81% | -1.39% | +77 bps | |
| Loan Growth (YoY) | 7.59% | 6.31% | 7.15% | 5.39% | 3.49% | 2.22% | 5.79% | 6.44% | +105 bps | |
| Share Growth (YoY) | -2.40% | -3.80% | -4.17% | -3.90% | -3.65% | -2.97% | -2.52% | -2.39% | +151 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 1.43% | 0.28% | 1.19% | 1.20% | 1.15% | 0.48% | 0.81% | -37 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 | 22.92% | 23.15% | 22.93% | 23.52% | 24.29% | 24.58% | 24.41% | 25.27% | +175 bps | |
| Net Worth / Assets | 22.92% | 23.15% | 22.93% | 23.52% | 24.29% | 24.58% | 24.41% | 25.27% | +175 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.36% | 65.30% | 62.86% | 66.34% | 70.20% | 68.79% | 68.21% | 72.35% | +601 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Elizabeth, PA · Charter 4828 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 4 branches
Q2 2026
Return on Assets
1.44%
Rank 18 of 78
Net Interest Margin
5.24%
Rank 3 of 78
Efficiency Ratio
66.03%
Rank 21 of 78
Equity / Assets
25.27%
Rank 10 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.37% | 0.83% | 1.31% | Beats 77% | 18 / 78 | ||
| Return on Equity | 5.68% | 1.73% | 5.71% | 9.08% | Beats 49% | 40 / 78 | ||
| Net Interest Margin | 5.24% | 3.17% | 3.63% | 4.21% | Beats 96% | 3 / 78 | ||
| Efficiency Ratio | 66.03% | 65.01% | 78.15% | 89.28% | Beats 74% | 21 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.81% | 0.40% | 0.84% | 1.97% | Beats 53% | 38 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.27% | 12.42% | 15.10% | 18.27% | Beats 87% | 10 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 25.27% | 12.42% | 15.10% | 18.27% | Beats 87% | 10 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.35% | 34.83% | 50.41% | 71.84% | 77th pctl | 18 / 78 | ||
| Loans / Assets | 54.56% | 29.34% | 41.02% | 56.96% | 67th pctl | 26 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||