Pittsburgh, PA · Charter 7844
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, 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 (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
54
Profitability
35
Liquidity
93
Efficiency
19
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.
Pittsburgh, PA · Charter 7844
NCUA · 1 branch
Q4 2024
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.73% | 0.77% | 0.66% | -2.45% | -0.68% | -1.43% | -1.36% | -202 bps | |
| Return on Equity | 5.42% | 8.88% | 8.93% | 6.91% | -27.60% | -7.28% | -15.03% | -11.94% | -1,885 bps | |
| Net Interest Margin | 3.91% | 4.17% | 4.49% | 5.11% | 5.36% | 5.58% | 6.10% | 7.25% | +213 bps | |
| Efficiency Ratio | 87.58% | 83.94% | 84.00% | 87.16% | 87.85% | 82.32% | 84.58% | 90.92% | +377 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.56% | -8.33% | -8.54% | -11.86% | -10.75% | -13.04% | -18.69% | -24.58% | -1,272 bps | |
| Loan Growth (YoY) | 32.07% | 28.00% | 45.37% | 48.32% | 21.17% | 3.73% | -2.99% | -16.60% | -6,493 bps | |
| Share Growth (YoY) | -6.96% | -9.45% | -10.84% | -13.77% | -11.65% | -14.08% | -18.81% | -25.63% | -1,186 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.18% | 0.00% | 0.45% | 1.62% | 0.18% | 0.23% | 0.65% | +19 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 | 0.44% | 0.42% | 0.45% | 0.51% | 0.88% | 1.09% | 1.50% | 1.36% | +85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.00% | 8.17% | 8.58% | 9.62% | 8.89% | 9.30% | 9.50% | 11.39% | +177 bps | |
| Net Worth / Assets | 8.00% | 8.17% | 8.58% | 9.62% | 8.89% | 9.30% | 9.50% | 11.39% | +177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.61% | 46.59% | 52.41% | 62.82% | 57.07% | 56.25% | 62.63% | 70.45% | +763 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pittsburgh, PA · Charter 7844 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
-1.37%
Rank 1,667 of 1,724
Net Interest Margin
7.29%
Rank 20 of 1,723
Efficiency Ratio
90.38%
Rank 1,403 of 1,721
Equity / Assets
11.40%
Rank 1,053 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.37% | 0.25% | 0.67% | 1.13% | Beats 3% | 1,667 / 1,724 | ||
| Return on Equity | -12.02% | 1.95% | 5.34% | 8.54% | Beats 3% | 1,665 / 1,723 | ||
| Net Interest Margin | 7.29% | 3.03% | 3.61% | 4.27% | Beats 99% | 20 / 1,723 | ||
| Efficiency Ratio | 90.38% | 69.84% | 78.36% | 87.50% | Beats 19% | 1,403 / 1,721 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.62% | 0.28% | 0.70% | 1.38% | Beats 54% | 788 / 1,721 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.39% | 10.16% | 12.41% | 16.03% | Beats 39% | 1,057 / 1,724 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.40% | 10.15% | 12.41% | 16.03% | Beats 39% | 1,053 / 1,723 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.45% | 55.95% | 72.66% | 85.34% | 47th pctl | 918 / 1,722 | ||
| Loans / Assets | 62.39% | 47.91% | 62.00% | 72.82% | 51st pctl | 844 / 1,723 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||