Monessen, PA · Charter 649
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
85
Asset Quality
58
Profitability
75
Liquidity
34
Efficiency
77
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.
Monessen, PA · Charter 649
NCUA · 2 branches
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 | 1.16% | 0.84% | 1.06% | 1.28% | 1.47% | 1.03% | 1.56% | 1.69% | +41 bps | |
| Return on Equity | 4.94% | 3.60% | 4.60% | 5.54% | 6.31% | 4.45% | 6.73% | 7.30% | +176 bps | |
| Net Interest Margin | 3.84% | 3.87% | 3.91% | 4.02% | 4.06% | 3.82% | 4.28% | 4.24% | +23 bps | |
| Efficiency Ratio | 69.05% | 69.75% | 71.38% | 67.86% | 65.31% | 71.52% | 62.27% | 63.06% | -480 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.54% | -2.45% | 1.47% | 3.85% | 5.45% | 5.93% | 4.59% | 5.62% | +177 bps | |
| Loan Growth (YoY) | 8.99% | 11.69% | 9.07% | 9.14% | 6.80% | 6.50% | 9.21% | 7.32% | -182 bps | |
| Share Growth (YoY) | -3.42% | -4.18% | 0.96% | 4.72% | 6.45% | 7.30% | 5.31% | 6.79% | +208 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.69% | 0.60% | 0.64% | 0.61% | 0.51% | 0.48% | 0.75% | +11 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.48% | 23.34% | 23.10% | 23.13% | 23.35% | 23.06% | 23.24% | 23.12% | 0 bps | |
| Net Worth / Assets | 23.48% | 23.34% | 23.10% | 23.13% | 23.35% | 23.06% | 23.24% | 23.12% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.45% | 72.33% | 70.31% | 70.66% | 70.68% | 71.80% | 72.91% | 71.01% | +35 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Monessen, PA · Charter 649 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 2 branches
Q2 2026
Return on Assets
1.69%
Rank 11 of 78
Net Interest Margin
4.25%
Rank 17 of 78
Efficiency Ratio
63.05%
Rank 19 of 78
Equity / Assets
23.12%
Rank 12 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.69% | 0.37% | 0.83% | 1.31% | Beats 86% | 11 / 78 | ||
| Return on Equity | 7.30% | 1.73% | 5.71% | 9.08% | Beats 60% | 31 / 78 | ||
| Net Interest Margin | 4.25% | 3.17% | 3.63% | 4.21% | Beats 78% | 17 / 78 | ||
| Efficiency Ratio | 63.05% | 65.01% | 78.15% | 89.28% | Beats 77% | 19 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.40% | 0.84% | 1.97% | Beats 58% | 34 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.12% | 12.42% | 15.10% | 18.27% | Beats 85% | 12 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.12% | 12.42% | 15.10% | 18.27% | Beats 85% | 12 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.01% | 34.83% | 50.41% | 71.84% | 73rd pctl | 21 / 78 | ||
| Loans / Assets | 54.93% | 29.34% | 41.02% | 56.96% | 68th pctl | 25 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||