Washington, PA · Charter 7724
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 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
42
Asset Quality
79
Profitability
63
Liquidity
52
Efficiency
64
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.
Washington, PA · Charter 7724
NCUA · 1 branch
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 | 1.53% | 1.58% | 1.29% | 1.62% | 1.81% | 1.83% | 1.09% | 1.26% | -37 bps | |
| Return on Equity | 13.12% | 12.85% | 10.55% | 12.82% | 13.60% | 13.46% | 8.07% | 9.09% | -373 bps | |
| Net Interest Margin | 3.73% | 3.81% | 3.74% | 3.73% | 3.79% | 3.76% | 3.52% | 3.61% | -12 bps | |
| Efficiency Ratio | 63.08% | 63.15% | 69.21% | 61.84% | 58.56% | 57.84% | 73.27% | 69.82% | +798 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.61% | -4.10% | -2.77% | -1.45% | 1.30% | 4.83% | 3.95% | 3.73% | +518 bps | |
| Loan Growth (YoY) | -14.18% | -16.00% | -16.88% | -14.47% | -11.92% | -10.84% | -6.75% | -5.20% | +927 bps | |
| Share Growth (YoY) | -9.64% | -6.10% | -4.98% | -3.62% | -0.61% | 3.03% | 2.46% | 2.35% | +597 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.79% | 0.33% | 0.13% | 0.16% | 0.20% | 0.11% | 0.38% | +25 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 | 11.68% | 12.31% | 12.21% | 12.67% | 13.28% | 13.57% | 13.49% | 13.83% | +117 bps | |
| Net Worth / Assets | 11.68% | 12.31% | 12.21% | 12.67% | 13.28% | 13.57% | 13.49% | 13.83% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.63% | 46.90% | 42.73% | 41.22% | 41.32% | 40.59% | 38.89% | 38.18% | -304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Washington, PA · Charter 7724 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
1.26%
Rank 24 of 78
Net Interest Margin
3.61%
Rank 41 of 78
Efficiency Ratio
69.82%
Rank 29 of 78
Equity / Assets
13.83%
Rank 45 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.26% | 0.37% | 0.83% | 1.31% | Beats 69% | 24 / 78 | ||
| Return on Equity | 9.08% | 1.73% | 5.71% | 9.08% | Beats 73% | 21 / 78 | ||
| Net Interest Margin | 3.61% | 3.17% | 3.63% | 4.21% | Beats 47% | 41 / 78 | ||
| Efficiency Ratio | 69.82% | 65.01% | 78.15% | 89.28% | Beats 64% | 29 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.38% | 0.40% | 0.84% | 1.97% | Beats 79% | 17 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.83% | 12.42% | 15.10% | 18.27% | Beats 42% | 45 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.83% | 12.42% | 15.10% | 18.27% | Beats 42% | 45 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.18% | 34.83% | 50.41% | 71.84% | 32nd pctl | 53 / 78 | ||
| Loans / Assets | 32.79% | 29.34% | 41.02% | 56.96% | 33rd pctl | 52 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||