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Moonlight Credit Union

Worthington, PA · Charter 64883

NCUA · 1 branch

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Pittsburgh, PA area3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Pittsburgh, PA area (n=91). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

69

Q2 2024Q2 2025peer median (50)

Asset Quality

93

Q2 2024Q2 2025peer median (50)

Profitability

65

Q2 2024Q2 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

80

Q2 2024Q2 2025peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Moonlight Credit Union

Worthington, PA · Charter 64883

NCUA · 1 branch

Q2 2025

$50.7MAssets
$36.9MLoans
$42.2MShares
$8.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.48%, up 3 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.19%, up 171 bps from a year ago.
  • Funding: loans stand at 87.27% of shares as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

1.48%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+45 bps YoY

Efficiency Ratio (YTD, annualized)

61.11%+170 bps YoY

Net Worth / Assets

17.19%+171 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets1.45%1.51%1.52%1.44%1.48%+3 bps
Return on Equity9.40%9.53%9.36%8.85%8.61%-79 bps
Net Interest Margin3.06%3.16%3.22%3.41%3.51%+45 bps
Efficiency Ratio59.41%58.92%59.28%58.98%61.11%+170 bps
Growth
Asset Growth (YoY)9.96%10.86%6.41%6.52%-1.06%-1,102 bps
Loan Growth (YoY)20.01%16.29%15.00%14.41%13.62%-638 bps
Share Growth (YoY)9.84%11.03%5.58%5.78%-2.89%-1,273 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.08%0.17%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.48%15.83%16.22%16.29%17.19%+171 bps
Net Worth / Assets15.48%15.83%16.22%16.29%17.19%+171 bps
Liquidity & Funding
Loans / Shares74.58%76.58%79.86%81.34%87.27%+1,268 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Moonlight Credit Union

Worthington, PA · Charter 64883 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=91)

NCUA · 1 branch

Q2 2025

$50.7MAssets
$36.9MLoans
$42.2MShares
$8.7MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 93% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 7 of 91).
  • Widest gap: net interest margin trails 51% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 46 of 91).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.48%

Rank 21 of 91

Net Interest Margin

3.51%

Rank 46 of 91

Efficiency Ratio

61.12%

Rank 19 of 91

Equity / Assets

17.19%

Rank 28 of 91

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.48%0.20%0.77%1.39%Beats 77%21 / 91
Return on Equity8.61%1.09%5.39%9.23%Beats 69%28 / 91
Net Interest Margin3.51%2.91%3.51%4.16%Beats 49%46 / 91
Efficiency Ratio61.12%61.76%74.32%87.06%Beats 80%19 / 91
Asset Quality
Nonperforming Loans / Loans0.00%0.29%0.72%1.99%Beats 93%7 / 91
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.19%11.65%14.20%17.82%Beats 69%28 / 91
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.19%11.65%14.20%17.82%Beats 69%28 / 91
Liquidity & Funding
Loans / Deposits87.27%35.12%49.71%67.29%95th pctl5 / 91
Loans / Assets72.76%28.97%42.35%57.37%93rd pctl6 / 91
Brokered Deposits / Depositsn/aNot reported for this institution