West Mifflin, PA · Charter 7415
NCUA · 3 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
35
Asset Quality
92
Profitability
70
Liquidity
69
Efficiency
76
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.
West Mifflin, PA · Charter 7415
NCUA · 3 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 | 0.81% | 0.87% | 1.30% | 1.53% | 1.64% | 1.16% | 1.28% | 1.45% | -8 bps | |
| Return on Equity | 6.84% | 7.10% | 10.85% | 12.29% | 12.66% | 9.06% | 9.88% | 10.92% | -137 bps | |
| Net Interest Margin | 2.75% | 2.88% | 3.29% | 3.44% | 3.53% | 3.15% | 3.50% | 3.54% | +10 bps | |
| Efficiency Ratio | 77.56% | 77.65% | 66.75% | 62.75% | 60.93% | 69.36% | 68.61% | 64.99% | +224 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.61% | -2.82% | 1.06% | 2.67% | 4.07% | 4.37% | 0.95% | 2.57% | -10 bps | |
| Loan Growth (YoY) | 5.56% | 1.23% | -3.43% | -4.12% | -5.16% | -6.89% | -3.77% | -3.75% | +37 bps | |
| Share Growth (YoY) | -4.05% | -4.08% | -0.78% | 1.28% | 3.04% | 2.92% | 0.40% | 1.41% | +13 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.01% | 0.01% | 0.14% | 0.11% | 0.17% | 0.02% | 0.06% | -7 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 | 11.92% | 12.19% | 11.95% | 12.45% | 12.92% | 12.84% | 12.98% | 13.25% | +80 bps | |
| Net Worth / Assets | 11.92% | 12.19% | 11.95% | 12.45% | 12.92% | 12.84% | 12.98% | 13.25% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.28% | 46.84% | 43.44% | 44.23% | 43.51% | 42.38% | 41.64% | 41.98% | -225 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
West Mifflin, PA · Charter 7415 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 3 branches
Q2 2026
Return on Assets
1.45%
Rank 17 of 78
Net Interest Margin
3.54%
Rank 43 of 78
Efficiency Ratio
65.01%
Rank 20 of 78
Equity / Assets
13.25%
Rank 51 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | 0.37% | 0.83% | 1.31% | Beats 78% | 17 / 78 | ||
| Return on Equity | 10.92% | 1.73% | 5.71% | 9.08% | Beats 86% | 11 / 78 | ||
| Net Interest Margin | 3.54% | 3.17% | 3.63% | 4.21% | Beats 45% | 43 / 78 | ||
| Efficiency Ratio | 65.01% | 65.01% | 78.15% | 89.28% | Beats 76% | 20 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.40% | 0.84% | 1.97% | Beats 92% | 7 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.25% | 12.42% | 15.10% | 18.27% | Beats 35% | 51 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.25% | 12.42% | 15.10% | 18.27% | Beats 35% | 51 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.98% | 34.83% | 50.41% | 71.84% | 36th pctl | 50 / 78 | ||
| Loans / Assets | 36.16% | 29.34% | 41.02% | 56.96% | 40th pctl | 47 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||