Greensburg, PA · Charter 839
NCUA · 1 branch
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
82
Asset Quality
82
Profitability
56
Liquidity
25
Efficiency
73
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.
Greensburg, PA · Charter 839
NCUA · 1 branch
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 | 0.67% | 0.25% | 0.88% | 0.79% | 0.83% | 0.81% | 1.30% | 1.31% | +52 bps | |
| Return on Equity | 3.44% | 1.28% | 4.57% | 3.99% | 4.06% | 3.85% | 6.25% | 6.16% | +217 bps | |
| Net Interest Margin | 2.73% | 2.78% | 2.99% | 3.14% | 3.27% | 3.35% | 3.39% | 3.52% | +38 bps | |
| Efficiency Ratio | 78.19% | 91.86% | 71.80% | 73.17% | 74.43% | 75.54% | 65.52% | 66.39% | -677 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.00% | -2.54% | -3.47% | -3.85% | -3.65% | -4.49% | -3.01% | -1.98% | +187 bps | |
| Loan Growth (YoY) | -11.98% | -13.65% | -11.96% | -12.20% | -13.09% | -8.61% | -6.07% | 0.95% | +1,315 bps | |
| Share Growth (YoY) | -6.33% | -4.48% | -6.01% | -6.92% | -6.10% | -7.83% | -5.72% | -4.35% | +257 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.06% | 0.00% | 0.20% | 0.11% | 0.19% | 0.15% | 0.19% | -1 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 | 19.40% | 19.22% | 19.30% | 19.89% | 20.47% | 20.91% | 20.76% | 21.32% | +143 bps | |
| Net Worth / Assets | 19.40% | 19.22% | 19.30% | 19.89% | 20.47% | 20.91% | 20.76% | 21.32% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.91% | 33.20% | 31.14% | 30.34% | 31.39% | 32.92% | 31.03% | 32.03% | +168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Greensburg, PA · Charter 839 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
1.31%
Rank 20 of 78
Net Interest Margin
3.52%
Rank 45 of 78
Efficiency Ratio
66.47%
Rank 22 of 78
Equity / Assets
21.32%
Rank 14 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.31% | 0.37% | 0.83% | 1.31% | Beats 74% | 20 / 78 | ||
| Return on Equity | 6.16% | 1.73% | 5.71% | 9.08% | Beats 51% | 38 / 78 | ||
| Net Interest Margin | 3.52% | 3.17% | 3.63% | 4.21% | Beats 42% | 45 / 78 | ||
| Efficiency Ratio | 66.47% | 65.01% | 78.15% | 89.28% | Beats 73% | 22 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.19% | 0.40% | 0.84% | 1.97% | Beats 82% | 15 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.32% | 12.42% | 15.10% | 18.27% | Beats 82% | 14 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.32% | 12.42% | 15.10% | 18.27% | Beats 82% | 14 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.03% | 34.83% | 50.41% | 71.84% | 18th pctl | 64 / 78 | ||
| Loans / Assets | 25.47% | 29.34% | 41.02% | 56.96% | 15th pctl | 66 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||