Greensburg, PA · Charter 7297
NCUA · 10 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
8
Asset Quality
65
Profitability
66
Liquidity
0
Efficiency
33
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.
Greensburg, PA · Charter 7297
NCUA · 10 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 | 0.34% | 0.32% | 0.03% | 0.41% | 0.32% | 0.28% | 0.49% | 0.76% | +35 bps | |
| Return on Equity | 3.76% | 3.52% | 0.30% | 4.33% | 3.41% | 3.01% | 5.33% | 7.95% | +362 bps | |
| Net Interest Margin | 3.84% | 3.61% | 3.99% | 4.29% | 4.34% | 4.38% | 4.38% | 4.64% | +35 bps | |
| Efficiency Ratio | 89.19% | 88.11% | 93.96% | 87.39% | 89.12% | 89.53% | 84.92% | 84.14% | -326 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.59% | 12.87% | 9.83% | 6.35% | 9.55% | 0.72% | 2.50% | 3.33% | -302 bps | |
| Loan Growth (YoY) | 5.49% | 11.74% | 10.77% | 11.16% | 9.97% | 5.93% | 5.69% | 8.05% | -312 bps | |
| Share Growth (YoY) | 2.58% | 13.62% | 10.27% | 6.32% | 11.59% | 1.05% | 1.78% | 2.75% | -357 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.78% | 0.56% | 0.63% | 0.71% | 0.75% | 0.61% | 0.57% | -6 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 | 9.15% | 9.07% | 9.36% | 9.56% | 9.42% | 9.22% | 9.11% | 9.55% | 0 bps | |
| Net Worth / Assets | 9.15% | 9.07% | 9.36% | 9.56% | 9.42% | 9.22% | 9.11% | 9.55% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.10% | 84.16% | 83.81% | 88.80% | 88.79% | 88.22% | 87.03% | 93.38% | +458 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Greensburg, PA · Charter 7297 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 10 branches
Q2 2026
Return on Assets
0.76%
Rank 42 of 78
Net Interest Margin
4.64%
Rank 7 of 78
Efficiency Ratio
84.14%
Rank 53 of 78
Equity / Assets
9.55%
Rank 72 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.76% | 0.37% | 0.83% | 1.31% | Beats 46% | 42 / 78 | ||
| Return on Equity | 7.95% | 1.73% | 5.71% | 9.08% | Beats 62% | 30 / 78 | ||
| Net Interest Margin | 4.64% | 3.17% | 3.63% | 4.21% | Beats 91% | 7 / 78 | ||
| Efficiency Ratio | 84.14% | 65.01% | 78.15% | 89.28% | Beats 33% | 53 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.40% | 0.84% | 1.97% | Beats 65% | 28 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.55% | 12.42% | 15.10% | 18.27% | Beats 8% | 72 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.55% | 12.42% | 15.10% | 18.27% | Beats 8% | 72 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.38% | 34.83% | 50.41% | 71.84% | 95th pctl | 4 / 78 | ||
| Loans / Assets | 84.37% | 29.34% | 41.02% | 56.96% | 99th pctl | 1 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||