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Eqt

Pittsburgh, PA · Charter 5028

NCUA · 1 branch

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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

32

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

Eqt

Pittsburgh, PA · Charter 5028

NCUA · 1 branch

Q2 2026

$27.1MAssets
$2.1MLoans
$22.2MShares
$4.9MNet 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 0.14%, down 2 bps year over year; NIM at 1.50%.
  • Asset quality: problem loans at 2.21% of loans (-26 bps YoY).
  • Capital: net worth / assets of 18.00%, up 45 bps from a year ago.
  • Funding: loans stand at 9.25% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.14%-2 bps YoY

Net Interest Margin (YTD, annualized)

1.50%+3 bps YoY

Efficiency Ratio (YTD, annualized)

84.21%+41 bps YoY

Net Worth / Assets

18.00%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.17%0.18%0.12%0.08%0.14%-2 bps
Return on Equity0.96%0.99%0.68%0.47%0.80%-16 bps
Net Interest Margin1.47%1.46%1.42%1.31%1.50%+3 bps
Efficiency Ratio83.80%84.64%89.06%93.87%84.21%+41 bps
Growth
Asset Growth (YoY)-11.42%-9.53%-6.57%-3.41%-2.00%+941 bps
Loan Growth (YoY)24.49%19.97%6.29%-3.63%-0.72%-2,521 bps
Share Growth (YoY)-13.69%-11.53%-8.04%-4.21%-2.56%+1,113 bps
Asset Quality
Delinquent Loans / Loans2.47%2.50%0.94%0.16%2.21%-26 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 Capital17.55%17.84%17.57%17.16%18.00%+45 bps
Net Worth / Assets17.55%17.84%17.57%17.16%18.00%+45 bps
Liquidity & Funding
Loans / Shares9.08%9.12%8.60%7.73%9.25%+17 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

Eqt

Pittsburgh, PA · Charter 5028 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)

NCUA · 1 branch

Q2 2026

$27.1MAssets
$2.1MLoans
$22.2MShares
$4.9MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 73% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 21 of 78).
  • Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 78 of 78).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.14%

Rank 66 of 78

Net Interest Margin

1.50%

Rank 78 of 78

Efficiency Ratio

84.24%

Rank 54 of 78

Equity / Assets

18.00%

Rank 21 of 78

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.14%0.37%0.83%1.31%Beats 15%66 / 78
Return on Equity0.78%1.73%5.71%9.08%Beats 15%66 / 78
Net Interest Margin1.50%3.17%3.63%4.21%Beats 0%78 / 78
Efficiency Ratio84.24%65.01%78.15%89.28%Beats 32%54 / 78
Asset Quality
Nonperforming Loans / Loans2.19%0.40%0.84%1.97%Beats 22%62 / 78
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.00%12.42%15.10%18.27%Beats 73%21 / 78
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.00%12.42%15.10%18.27%Beats 73%21 / 78
Liquidity & Funding
Loans / Deposits9.25%34.83%50.41%71.84%0th pctl78 / 78
Loans / Assets7.58%29.34%41.02%56.96%0th pctl78 / 78
Brokered Deposits / Depositsn/aNot reported for this institution