Uniontown, PA · Charter 61515
NCUA · 2 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
81
Asset Quality
46
Profitability
79
Liquidity
81
Efficiency
81
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.
Uniontown, PA · Charter 61515
NCUA · 2 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 | 1.27% | 1.36% | 2.80% | 1.68% | 1.94% | 1.95% | 1.48% | 1.69% | +1 bps | |
| Return on Equity | 6.96% | 7.24% | 15.08% | 8.80% | 9.98% | 9.74% | 7.55% | 8.47% | -33 bps | |
| Net Interest Margin | 3.67% | 3.73% | 4.13% | 4.32% | 4.29% | 4.36% | 4.21% | 4.40% | +8 bps | |
| Efficiency Ratio | 66.28% | 65.81% | 51.78% | 61.64% | 59.19% | 59.26% | 58.79% | 60.56% | -108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.92% | 0.44% | 2.03% | 1.68% | 4.37% | 3.84% | 4.52% | 4.62% | +294 bps | |
| Loan Growth (YoY) | -7.01% | -5.50% | -1.54% | -2.13% | -5.74% | -4.12% | -5.03% | -5.13% | -300 bps | |
| Share Growth (YoY) | -3.50% | -1.28% | 0.57% | 0.09% | 3.00% | 2.31% | 3.19% | 3.47% | +338 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.66% | 0.55% | 0.89% | +89 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 | 18.31% | 18.79% | 18.60% | 19.13% | 19.38% | 20.00% | 19.63% | 20.00% | +88 bps | |
| Net Worth / Assets | 18.31% | 18.79% | 18.60% | 19.13% | 19.38% | 20.00% | 19.63% | 20.00% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.32% | 51.43% | 49.48% | 48.91% | 46.96% | 48.19% | 45.53% | 44.84% | -406 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Uniontown, PA · Charter 61515 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 2 branches
Q2 2026
Return on Assets
1.70%
Rank 10 of 78
Net Interest Margin
4.39%
Rank 13 of 78
Efficiency Ratio
60.56%
Rank 16 of 78
Equity / Assets
20.00%
Rank 15 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.70% | 0.37% | 0.83% | 1.31% | Beats 87% | 10 / 78 | ||
| Return on Equity | 8.48% | 1.73% | 5.71% | 9.08% | Beats 67% | 26 / 78 | ||
| Net Interest Margin | 4.39% | 3.17% | 3.63% | 4.21% | Beats 83% | 13 / 78 | ||
| Efficiency Ratio | 60.56% | 65.01% | 78.15% | 89.28% | Beats 81% | 16 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.89% | 0.40% | 0.84% | 1.97% | Beats 46% | 43 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.00% | 12.42% | 15.10% | 18.27% | Beats 81% | 15 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.00% | 12.42% | 15.10% | 18.27% | Beats 81% | 15 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.84% | 34.83% | 50.41% | 71.84% | 40th pctl | 47 / 78 | ||
| Loans / Assets | 35.81% | 29.34% | 41.02% | 56.96% | 38th pctl | 48 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||