Pittsburgh, PA · Charter 65564
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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=89). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
100
Profitability
16
Liquidity
0
Efficiency
6
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.
Pittsburgh, PA · Charter 65564
NCUA · 1 branch
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.07% | -1.73% | -0.82% | -0.84% | -1.02% | 1.64% | -0.68% | -0.42% | +43 bps | |
| Return on Equity | -4.23% | -6.24% | -2.92% | -2.76% | -3.39% | 4.89% | -2.04% | -1.25% | +151 bps | |
| Net Interest Margin | 1.27% | 1.91% | 1.96% | 2.14% | 2.53% | 3.72% | 4.15% | 3.14% | +100 bps | |
| Efficiency Ratio | 184.13% | 190.39% | 141.90% | 139.26% | 140.38% | 55.90% | 116.33% | 113.24% | -2,602 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.48% | -16.44% | -12.97% | -18.77% | -18.99% | -18.26% | -17.18% | -9.57% | +919 bps | |
| Loan Growth (YoY) | -40.85% | -26.02% | -18.31% | -34.32% | -31.99% | -46.95% | -48.57% | -43.90% | -957 bps | |
| Share Growth (YoY) | -8.62% | -20.59% | -16.41% | -24.17% | -24.33% | -24.89% | -23.11% | -13.38% | +1,079 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.70% | 4.16% | +416 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 | 37.87% | 37.17% | 40.42% | 49.52% | 55.69% | 70.07% | 78.60% | 88.27% | +3,875 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.26% | 27.66% | 28.13% | 30.50% | 30.16% | 33.53% | 33.28% | 33.27% | +277 bps | |
| Net Worth / Assets | 25.26% | 27.66% | 28.13% | 30.50% | 30.16% | 33.53% | 33.28% | 33.27% | +277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 8.32% | 9.70% | 9.13% | 8.40% | 7.48% | 6.85% | 6.11% | 5.44% | -296 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pittsburgh, PA · Charter 65564 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=89)
NCUA · 1 branch
Q3 2025
Return on Assets
-0.43%
Rank 81 of 89
Net Interest Margin
2.98%
Rank 68 of 89
Efficiency Ratio
114.29%
Rank 85 of 89
Equity / Assets
33.23%
Rank 5 of 89
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.43% | 0.46% | 0.84% | 1.47% | Beats 9% | 81 / 89 | ||
| Return on Equity | -1.28% | 2.64% | 5.74% | 9.98% | Beats 15% | 76 / 89 | ||
| Net Interest Margin | 2.98% | 2.99% | 3.59% | 4.24% | Beats 24% | 68 / 89 | ||
| Efficiency Ratio | 114.29% | 60.43% | 73.61% | 85.91% | Beats 6% | 85 / 89 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.80% | 2.07% | Beats 100% | 9 / 89 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 33.27% | 12.00% | 14.48% | 18.40% | Beats 94% | 5 / 89 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 33.23% | 12.00% | 14.47% | 18.40% | Beats 94% | 5 / 89 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 5.44% | 35.89% | 52.93% | 70.20% | 0th pctl | 89 / 89 | ||
| Loans / Assets | 3.51% | 30.38% | 44.12% | 58.33% | 0th pctl | 89 / 89 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||