Keystone United Methodist
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
$14.5MAssets
$6.5MLoans
$13.5MShares
$1.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 88% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 10 of 83).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 82 of 82).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 | 8-Qtr Trend | 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 |