Gibsonia, PA · Charter 61636
NCUA · 1 branch
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
59
Asset Quality
5
Profitability
65
Liquidity
46
Efficiency
65
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.
Gibsonia, PA · Charter 61636
NCUA · 1 branch
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 | 1.11% | 0.76% | 1.22% | 1.32% | 1.22% | 1.14% | 0.86% | 1.04% | -29 bps | |
| Return on Equity | 7.88% | 5.32% | 8.51% | 9.13% | 8.06% | 7.48% | 5.62% | 6.72% | -241 bps | |
| Net Interest Margin | 4.44% | 4.49% | 4.08% | 4.08% | 4.19% | 4.15% | 4.19% | 4.24% | +16 bps | |
| Efficiency Ratio | 53.33% | 63.50% | 62.74% | 61.95% | 65.85% | 66.33% | 73.14% | 69.70% | +775 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.01% | 0.41% | 1.49% | 0.73% | -0.87% | 1.73% | 0.64% | 0.19% | -54 bps | |
| Loan Growth (YoY) | -2.27% | -4.92% | -5.57% | -7.20% | -5.65% | -4.53% | -9.90% | -11.51% | -431 bps | |
| Share Growth (YoY) | 0.31% | -1.11% | 0.83% | -0.14% | -1.93% | 0.81% | -0.33% | -0.74% | -60 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.97% | 5.61% | 5.48% | 6.96% | 7.25% | 5.95% | 8.48% | 4.70% | -226 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 | 14.13% | 14.29% | 14.36% | 14.47% | 15.08% | 15.18% | 15.30% | 15.42% | +95 bps | |
| Net Worth / Assets | 14.13% | 14.29% | 14.36% | 14.47% | 15.08% | 15.18% | 15.30% | 15.42% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.53% | 43.23% | 41.95% | 41.27% | 41.87% | 40.94% | 37.93% | 36.80% | -448 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gibsonia, PA · Charter 61636 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
1.03%
Rank 30 of 78
Net Interest Margin
4.24%
Rank 18 of 78
Efficiency Ratio
69.74%
Rank 28 of 78
Equity / Assets
15.42%
Rank 32 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.03% | 0.37% | 0.83% | 1.31% | Beats 62% | 30 / 78 | ||
| Return on Equity | 6.71% | 1.73% | 5.71% | 9.08% | Beats 56% | 34 / 78 | ||
| Net Interest Margin | 4.24% | 3.17% | 3.63% | 4.21% | Beats 77% | 18 / 78 | ||
| Efficiency Ratio | 69.74% | 65.01% | 78.15% | 89.28% | Beats 65% | 28 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.69% | 0.40% | 0.84% | 1.97% | Beats 5% | 75 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.42% | 12.42% | 15.10% | 18.27% | Beats 59% | 32 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.42% | 12.42% | 15.10% | 18.27% | Beats 59% | 32 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 36.80% | 34.83% | 50.41% | 71.84% | 28th pctl | 56 / 78 | ||
| Loans / Assets | 30.99% | 29.34% | 41.02% | 56.96% | 28th pctl | 56 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||