Munhall, PA · Charter 794
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
47
Asset Quality
45
Profitability
44
Liquidity
13
Efficiency
46
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.
Munhall, PA · Charter 794
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 | 1.03% | 1.04% | 0.82% | 0.77% | 0.83% | 0.85% | 0.85% | 0.59% | -18 bps | |
| Return on Equity | 7.37% | 7.38% | 5.79% | 5.39% | 5.74% | 5.84% | 5.90% | 4.06% | -133 bps | |
| Net Interest Margin | 3.82% | 3.80% | 3.80% | 3.82% | 3.83% | 3.81% | 3.67% | 3.70% | -13 bps | |
| Efficiency Ratio | 76.00% | 75.43% | 82.76% | 81.42% | 80.65% | 79.87% | 78.38% | 80.62% | -80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.08% | 6.46% | 1.84% | 2.07% | 3.19% | 3.15% | 4.51% | 3.81% | +173 bps | |
| Loan Growth (YoY) | 4.66% | 3.66% | 2.56% | 3.18% | 2.45% | 2.69% | 3.77% | 1.83% | -135 bps | |
| Share Growth (YoY) | 6.06% | 6.50% | 1.24% | 1.56% | 2.69% | 2.60% | 3.96% | 3.47% | +191 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.63% | 0.49% | 0.75% | 0.28% | 0.51% | 0.38% | 0.94% | +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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.95% | 14.06% | 14.15% | 14.24% | 14.37% | 14.52% | 14.42% | 14.50% | +27 bps | |
| Net Worth / Assets | 13.95% | 14.06% | 14.15% | 14.24% | 14.37% | 14.52% | 14.42% | 14.50% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.41% | 80.06% | 77.84% | 79.31% | 80.22% | 80.13% | 77.69% | 78.05% | -126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Munhall, PA · Charter 794 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 3 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.37% | 0.83% | 1.31% | Beats 38% | 48 / 78 | ||
| Return on Equity | 4.05% | 1.73% | 5.71% | 9.08% | Beats 40% | 47 / 78 | ||
| Net Interest Margin | 3.70% | 3.17% | 3.63% | 4.21% | Beats 53% | 37 / 78 | ||
| Efficiency Ratio | 80.62% | 65.01% | 78.15% | 89.28% | Beats 46% | 43 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.94% | 0.40% | 0.84% | 1.97% | Beats 45% | 44 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.50% | 12.42% | 15.10% | 18.27% | Beats 47% | 41 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.50% | 12.42% | 15.10% | 18.27% | Beats 47% | 41 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.05% | 34.83% | 50.41% | 71.84% | 86th pctl | 11 / 78 | ||
| Loans / Assets | 66.58% | 29.34% | 41.02% | 56.96% | 83rd pctl | 13 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||