Latrobe, PA · Charter 6689
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 Fort Wayne, IN area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
68
Profitability
16
Liquidity
0
Efficiency
16
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.
Latrobe, PA · Charter 6689
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | -1.83% | 0.50% | -0.16% | -0.27% | -80 bps | |
| Return on Equity | 4.75% | -15.72% | 4.21% | -1.39% | -2.36% | -711 bps | |
| Net Interest Margin | 3.32% | 3.41% | 3.34% | 2.74% | 2.77% | -55 bps | |
| Efficiency Ratio | 85.83% | 85.92% | 88.27% | 104.46% | 107.59% | +2,175 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.94% | -5.30% | -6.36% | -2.74% | 1.72% | +766 bps | |
| Loan Growth (YoY) | -10.21% | -13.13% | -12.52% | -13.19% | -14.90% | -469 bps | |
| Share Growth (YoY) | -7.03% | -6.55% | -7.54% | -3.38% | 1.94% | +897 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.04% | 0.11% | 1.00% | 0.50% | +35 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.36% | 11.67% | 11.77% | 11.26% | 11.22% | -14 bps | |
| Net Worth / Assets | 11.36% | 11.67% | 11.77% | 11.26% | 11.22% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.36% | 29.59% | 28.35% | 24.81% | 24.51% | -485 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Latrobe, PA · Charter 6689 · Peer group: credit unions under $1B in assets in the Fort Wayne, IN area (n=19)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.27%
Rank 15 of 19
Net Interest Margin
2.77%
Rank 18 of 19
Efficiency Ratio
107.72%
Rank 17 of 19
Equity / Assets
11.22%
Rank 12 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.27% | -0.27% | 1.22% | 1.52% | Beats 21% | 15 / 19 | |
| Return on Equity | -2.41% | -2.41% | 9.38% | 13.75% | Beats 21% | 15 / 19 | |
| Net Interest Margin | 2.77% | 3.49% | 3.77% | 4.18% | Beats 5% | 18 / 19 | |
| Efficiency Ratio | 107.72% | 68.63% | 79.83% | 95.74% | Beats 16% | 17 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.49% | 0.38% | 0.61% | 1.20% | Beats 68% | 7 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.22% | 10.00% | 11.56% | 13.69% | Beats 37% | 12 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.22% | 10.00% | 11.56% | 13.69% | Beats 37% | 12 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 24.50% | 49.95% | 68.70% | 81.33% | 5th pctl | 18 / 19 | |
| Loans / Assets | 21.77% | 39.83% | 58.83% | 70.01% | 5th pctl | 18 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||