Alcose
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
$16.1MAssets
$4.5MLoans
$13.7MShares
$2.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 95% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 5 of 78).
- Widest gap: efficiency ratio trails 72% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 57 of 78).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 8-Qtr Trend | 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 |