North Districts
Gibsonia, PA · Charter 61636 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
$45.4MAssets
$14.1MLoans
$38.3MShares
$7.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 77% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 18 of 78).
- Widest gap: nonperforming loans / loans trails 95% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 75 of 78).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 | 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 |