PackageTrendsPeer
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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