Cranberry Town, PA · Charter 8313
NCUA · 1 branch
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
86
Profitability
30
Liquidity
95
Efficiency
1
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.
Cranberry Town, PA · Charter 8313
NCUA · 1 branch
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | -0.03% | -0.32% | -0.41% | -3.06% | -326 bps | |
| Return on Equity | 2.17% | -0.28% | -3.41% | -4.40% | -42.65% | -4,483 bps | |
| Net Interest Margin | 4.38% | 3.98% | 4.16% | 4.23% | 4.67% | +29 bps | |
| Efficiency Ratio | 91.82% | 100.61% | 112.06% | 112.36% | 158.00% | +6,618 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.33% | -11.53% | -11.40% | -4.92% | -11.40% | -7 bps | |
| Loan Growth (YoY) | -14.75% | -16.85% | -14.12% | -15.77% | -13.19% | +156 bps | |
| Share Growth (YoY) | -12.39% | -12.37% | -12.19% | -5.12% | -9.38% | +301 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.60% | 0.52% | 0.68% | 0.87% | 0.11% | -49 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.15% | 9.29% | 9.44% | 9.37% | 7.17% | -198 bps | |
| Net Worth / Assets | 9.15% | 9.29% | 9.44% | 9.37% | 7.17% | -198 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.51% | 48.93% | 50.04% | 47.09% | 48.38% | -212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cranberry Town, PA · Charter 8313 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=82-83)
NCUA · 1 branch
Q4 2025
Return on Assets
-3.06%
Rank 82 of 83
Net Interest Margin
4.68%
Rank 10 of 83
Efficiency Ratio
157.90%
Rank 82 of 82
Equity / Assets
7.17%
Rank 81 of 83
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.06% | 0.37% | 0.83% | 1.24% | Beats 1% | 82 / 83 | |
| Return on Equity | -42.68% | 2.84% | 5.44% | 8.92% | Beats 0% | 82 / 82 | |
| Net Interest Margin | 4.68% | 3.11% | 3.56% | 4.36% | Beats 88% | 10 / 83 | |
| Efficiency Ratio | 157.90% | 63.28% | 74.36% | 86.78% | Beats 1% | 82 / 82 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.11% | 0.20% | 0.76% | 2.30% | Beats 86% | 13 / 83 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.17% | 11.95% | 14.61% | 18.05% | Beats 2% | 81 / 83 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.17% | 11.95% | 14.60% | 18.05% | Beats 2% | 81 / 83 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.38% | 35.92% | 49.51% | 69.66% | 45th pctl | 46 / 83 | |
| Loans / Assets | 45.04% | 29.95% | 43.01% | 59.15% | 53rd pctl | 39 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||