Valley 1st Community
Monessen, PA · Charter 649 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 2 branches
Q2 2026
$106.9MAssets
$58.7MLoans
$82.7MShares
$24.7MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 86% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 11 of 78).
- Widest gap: nonperforming loans / loans trails 42% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 34 of 78).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 | 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 |