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Tri Boro

Munhall, PA · Charter 794

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Pittsburgh, PA area3

Basis

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.

Peer group

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.

Peer standing

Capital

47

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

46

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tri Boro

Munhall, PA · Charter 794

NCUA · 3 branches

Q2 2026

$130.6MAssets
$87.0MLoans
$111.4MShares
$18.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.59%, down 18 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.94% of loans (+19 bps YoY).
  • Capital: net worth / assets of 14.50%, up 27 bps from a year ago.
  • Funding: loans stand at 78.05% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.70%-13 bps YoY

Efficiency Ratio (YTD, annualized)

80.62%-80 bps YoY

Net Worth / Assets

14.50%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.83%0.85%0.85%0.59%-18 bps
Return on Equity5.39%5.74%5.84%5.90%4.06%-133 bps
Net Interest Margin3.82%3.83%3.81%3.67%3.70%-13 bps
Efficiency Ratio81.42%80.65%79.87%78.38%80.62%-80 bps
Growth
Asset Growth (YoY)2.07%3.19%3.15%4.51%3.81%+173 bps
Loan Growth (YoY)3.18%2.45%2.69%3.77%1.83%-135 bps
Share Growth (YoY)1.56%2.69%2.60%3.96%3.47%+191 bps
Asset Quality
Delinquent Loans / Loans0.75%0.28%0.51%0.38%0.94%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.24%14.37%14.52%14.42%14.50%+27 bps
Net Worth / Assets14.24%14.37%14.52%14.42%14.50%+27 bps
Liquidity & Funding
Loans / Shares79.31%80.22%80.13%77.69%78.05%-126 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Tri Boro

Munhall, PA · Charter 794 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)

NCUA · 3 branches

Q2 2026

$130.6MAssets
$87.0MLoans
$111.4MShares
$18.9MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 53% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 37 of 78).
  • Widest gap: return on assets trails 62% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 48 of 78).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.59%

Rank 48 of 78

Net Interest Margin

3.70%

Rank 37 of 78

Efficiency Ratio

80.62%

Rank 43 of 78

Equity / Assets

14.50%

Rank 41 of 78

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.59%0.37%0.83%1.31%Beats 38%48 / 78
Return on Equity4.05%1.73%5.71%9.08%Beats 40%47 / 78
Net Interest Margin3.70%3.17%3.63%4.21%Beats 53%37 / 78
Efficiency Ratio80.62%65.01%78.15%89.28%Beats 46%43 / 78
Asset Quality
Nonperforming Loans / Loans0.94%0.40%0.84%1.97%Beats 45%44 / 78
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.50%12.42%15.10%18.27%Beats 47%41 / 78
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.50%12.42%15.10%18.27%Beats 47%41 / 78
Liquidity & Funding
Loans / Deposits78.05%34.83%50.41%71.84%86th pctl11 / 78
Loans / Assets66.58%29.34%41.02%56.96%83rd pctl13 / 78
Brokered Deposits / Depositsn/aNot reported for this institution