New Castle, PA · Charter 7383
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
37
Asset Quality
29
Profitability
19
Liquidity
51
Efficiency
56
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.
New Castle, PA · Charter 7383
NCUA · 1 branch
Q3 2025
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.82% | 0.61% | -0.52% | -0.62% | -142 bps | |
| Return on Equity | 6.40% | 6.27% | 4.78% | -4.16% | -4.78% | -1,118 bps | |
| Net Interest Margin | 3.18% | 3.24% | 3.12% | 3.20% | 3.47% | +30 bps | |
| Efficiency Ratio | 76.46% | 76.14% | 78.39% | 71.60% | 71.41% | -505 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.51% | 15.34% | 12.12% | 8.92% | -3.99% | -2,350 bps | |
| Loan Growth (YoY) | -11.99% | -11.21% | -15.33% | -16.44% | -16.08% | -409 bps | |
| Share Growth (YoY) | 22.51% | 16.98% | 13.07% | 10.11% | -4.19% | -2,670 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.89% | 2.30% | 2.56% | 3.29% | 1.81% | -8 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 | 12.60% | 13.03% | 12.83% | 12.40% | 12.87% | +26 bps | |
| Net Worth / Assets | 12.60% | 13.03% | 12.83% | 12.40% | 12.87% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.59% | 75.52% | 68.22% | 65.02% | 67.09% | -951 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Castle, PA · Charter 7383 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=89)
NCUA · 1 branch
Q3 2025
Return on Assets
-0.61%
Rank 83 of 89
Net Interest Margin
3.48%
Rank 52 of 89
Efficiency Ratio
71.43%
Rank 40 of 89
Equity / Assets
12.87%
Rank 56 of 89
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.61% | 0.46% | 0.84% | 1.47% | Beats 7% | 83 / 89 | |
| Return on Equity | -4.78% | 2.64% | 5.74% | 9.98% | Beats 7% | 83 / 89 | |
| Net Interest Margin | 3.48% | 2.99% | 3.59% | 4.24% | Beats 42% | 52 / 89 | |
| Efficiency Ratio | 71.43% | 60.43% | 73.61% | 85.91% | Beats 56% | 40 / 89 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.81% | 0.19% | 0.80% | 2.07% | Beats 29% | 64 / 89 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.87% | 12.00% | 14.48% | 18.40% | Beats 37% | 56 / 89 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.87% | 12.00% | 14.47% | 18.40% | Beats 37% | 56 / 89 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.09% | 35.89% | 52.93% | 70.20% | 69th pctl | 28 / 89 | |
| Loans / Assets | 58.33% | 30.38% | 44.12% | 58.33% | 74th pctl | 23 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||