Sewickley, PA · Charter 6240
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
96
Asset Quality
12
Profitability
21
Liquidity
6
Efficiency
3
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.
Sewickley, PA · Charter 6240
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 | 0.29% | 0.32% | 1.21% | 0.85% | 0.89% | 0.43% | 0.71% | 0.38% | -47 bps | |
| Return on Equity | 0.84% | 0.91% | 3.47% | 2.44% | 2.45% | 1.17% | 1.89% | 1.03% | -140 bps | |
| Net Interest Margin | 4.39% | 4.38% | 3.67% | 3.58% | 3.66% | 3.54% | 3.09% | 2.87% | -71 bps | |
| Efficiency Ratio | 71.68% | 78.37% | 84.06% | 84.97% | 83.99% | 93.58% | 119.08% | 116.40% | +3,143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.76% | -7.76% | -6.14% | -4.52% | -4.25% | -3.75% | -5.17% | -5.25% | -74 bps | |
| Loan Growth (YoY) | -15.59% | -22.89% | -26.79% | -23.08% | -17.12% | -28.60% | -28.53% | -26.33% | -325 bps | |
| Share Growth (YoY) | -12.35% | -11.47% | -9.22% | -7.42% | -7.17% | -6.61% | -8.60% | -8.76% | -134 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.50% | 6.00% | 7.02% | 12.17% | 4.56% | 5.27% | 3.63% | 3.80% | -837 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 | 1.42% | 1.25% | 0.97% | 1.26% | 1.25% | 1.78% | 0.51% | 0.22% | -104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.13% | 34.60% | 34.99% | 34.88% | 36.22% | 36.48% | 37.28% | 37.09% | +221 bps | |
| Net Worth / Assets | 34.13% | 34.60% | 34.99% | 34.88% | 36.22% | 36.48% | 37.28% | 37.09% | +221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.02% | 41.37% | 36.54% | 34.17% | 36.62% | 31.63% | 28.57% | 27.59% | -658 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sewickley, PA · Charter 6240 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
0.39%
Rank 58 of 78
Net Interest Margin
2.83%
Rank 65 of 78
Efficiency Ratio
118.60%
Rank 77 of 78
Equity / Assets
37.09%
Rank 3 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.39% | 0.37% | 0.83% | 1.31% | Beats 26% | 58 / 78 | ||
| Return on Equity | 1.06% | 1.73% | 5.71% | 9.08% | Beats 19% | 63 / 78 | ||
| Net Interest Margin | 2.83% | 3.17% | 3.63% | 4.21% | Beats 17% | 65 / 78 | ||
| Efficiency Ratio | 118.60% | 65.01% | 78.15% | 89.28% | Beats 3% | 77 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.80% | 0.40% | 0.84% | 1.97% | Beats 12% | 70 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 37.09% | 12.42% | 15.10% | 18.27% | Beats 96% | 3 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 37.09% | 12.42% | 15.10% | 18.27% | Beats 96% | 3 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 27.61% | 34.83% | 50.41% | 71.84% | 12th pctl | 69 / 78 | ||
| Loans / Assets | 17.30% | 29.34% | 41.02% | 56.96% | 6th pctl | 73 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||