Latrobe, PA · Charter 6785
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
49
Asset Quality
33
Profitability
49
Liquidity
0
Efficiency
95
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 6785
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 | 1.99% | 1.28% | 1.36% | 1.42% | 1.36% | 0.91% | 1.23% | 1.29% | -13 bps | |
| Return on Equity | 11.76% | 7.98% | 8.82% | 9.23% | 8.72% | 6.07% | 8.31% | 8.69% | -53 bps | |
| Net Interest Margin | 3.04% | 2.37% | 2.44% | 2.52% | 2.52% | 2.06% | 2.26% | 2.19% | -33 bps | |
| Efficiency Ratio | 45.39% | 55.97% | 53.82% | 54.92% | 55.23% | 62.46% | 53.58% | 51.79% | -314 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.67% | 12.07% | 16.24% | 15.40% | 14.89% | 13.43% | 10.50% | 10.17% | -523 bps | |
| Loan Growth (YoY) | 4.39% | 2.26% | 1.29% | 0.81% | -2.17% | -4.03% | -2.37% | -5.71% | -652 bps | |
| Share Growth (YoY) | 9.76% | 12.77% | 18.10% | 17.14% | 16.69% | 14.76% | 11.31% | 10.93% | -621 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 1.35% | 1.30% | 1.63% | 1.57% | 1.63% | 1.42% | 1.36% | -27 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 | 16.91% | 16.07% | 15.39% | 15.43% | 15.59% | 15.07% | 14.80% | 14.86% | -57 bps | |
| Net Worth / Assets | 16.91% | 16.07% | 15.39% | 15.43% | 15.59% | 15.07% | 14.80% | 14.86% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.02% | 26.60% | 23.90% | 23.76% | 23.49% | 22.24% | 20.97% | 20.20% | -357 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Latrobe, PA · Charter 6785 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 2 branches
Q2 2026
Return on Assets
1.29%
Rank 22 of 78
Net Interest Margin
2.19%
Rank 72 of 78
Efficiency Ratio
51.76%
Rank 5 of 78
Equity / Assets
14.86%
Rank 40 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.29% | 0.37% | 0.83% | 1.31% | Beats 72% | 22 / 78 | ||
| Return on Equity | 8.69% | 1.73% | 5.71% | 9.08% | Beats 68% | 25 / 78 | ||
| Net Interest Margin | 2.19% | 3.17% | 3.63% | 4.21% | Beats 8% | 72 / 78 | ||
| Efficiency Ratio | 51.76% | 65.01% | 78.15% | 89.28% | Beats 95% | 5 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.36% | 0.40% | 0.84% | 1.97% | Beats 33% | 53 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.86% | 12.42% | 15.10% | 18.27% | Beats 49% | 40 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.86% | 12.42% | 15.10% | 18.27% | Beats 49% | 40 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 20.20% | 34.83% | 50.41% | 71.84% | 3rd pctl | 76 / 78 | ||
| Loans / Assets | 17.19% | 29.34% | 41.02% | 56.96% | 5th pctl | 74 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||