White Oak, PA · Charter 61926
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
64
Asset Quality
95
Profitability
41
Liquidity
28
Efficiency
28
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.
White Oak, PA · Charter 61926
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.41% | 0.52% | -0.33% | 0.66% | +43 bps | |
| Return on Equity | 1.45% | 2.54% | 3.20% | -2.04% | 4.04% | +258 bps | |
| Net Interest Margin | 3.30% | 3.38% | 3.39% | 3.47% | 3.52% | +22 bps | |
| Efficiency Ratio | 87.25% | 86.37% | 85.45% | 108.00% | 86.86% | -39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.55% | -4.06% | -1.45% | -1.53% | 0.14% | +569 bps | |
| Loan Growth (YoY) | -10.39% | -7.03% | -6.60% | 0.70% | -0.21% | +1,018 bps | |
| Share Growth (YoY) | -7.20% | -5.44% | -2.52% | -2.36% | -0.40% | +680 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 0.60% | 0.59% | 0.60% | 0.03% | -61 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.80% | 16.17% | 16.21% | 16.10% | 16.42% | +62 bps | |
| Net Worth / Assets | 15.80% | 16.17% | 16.21% | 16.10% | 16.42% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.70% | 33.28% | 33.06% | 32.92% | 32.76% | +6 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
White Oak, PA · Charter 61926 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 2 branches
Q2 2026
Return on Assets
0.66%
Rank 46 of 78
Net Interest Margin
3.52%
Rank 44 of 78
Efficiency Ratio
86.98%
Rank 57 of 78
Equity / Assets
16.42%
Rank 28 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.37% | 0.83% | 1.31% | Beats 41% | 46 / 78 | |
| Return on Equity | 4.00% | 1.73% | 5.71% | 9.08% | Beats 38% | 48 / 78 | |
| Net Interest Margin | 3.52% | 3.17% | 3.63% | 4.21% | Beats 44% | 44 / 78 | |
| Efficiency Ratio | 86.98% | 65.01% | 78.15% | 89.28% | Beats 28% | 57 / 78 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.40% | 0.84% | 1.97% | Beats 95% | 5 / 78 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.42% | 12.42% | 15.10% | 18.27% | Beats 64% | 28 / 78 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.42% | 12.42% | 15.10% | 18.27% | Beats 64% | 28 / 78 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 32.76% | 34.83% | 50.41% | 71.84% | 21st pctl | 62 / 78 | |
| Loans / Assets | 27.77% | 29.34% | 41.02% | 56.96% | 22nd pctl | 61 / 78 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||