New Kensington, PA · Charter 8825
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
79
Asset Quality
29
Profitability
70
Liquidity
94
Efficiency
60
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.
New Kensington, PA · Charter 8825
NCUA · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 0.93% | 0.93% | 1.58% | 1.27% | +5 bps | |
| Return on Equity | 6.66% | 5.02% | 5.00% | 8.47% | 6.70% | +3 bps | |
| Net Interest Margin | 4.60% | 4.61% | 4.55% | 4.79% | 4.41% | -19 bps | |
| Efficiency Ratio | 70.66% | 68.22% | 67.56% | 68.35% | 72.50% | +184 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.20% | -2.19% | 2.64% | 2.38% | 1.99% | +419 bps | |
| Loan Growth (YoY) | 1.29% | 4.13% | 1.48% | -0.27% | -12.21% | -1,350 bps | |
| Share Growth (YoY) | -4.45% | -4.01% | 2.05% | 1.68% | 1.27% | +573 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.78% | 2.35% | 2.52% | 2.09% | 1.84% | +6 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 | 18.42% | 18.52% | 18.66% | 18.69% | 19.01% | +59 bps | |
| Net Worth / Assets | 18.42% | 18.52% | 18.66% | 18.69% | 19.01% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.08% | 56.97% | 53.40% | 49.93% | 47.75% | -733 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Kensington, PA · Charter 8825 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 1 branch
Q2 2026
Return on Assets
1.27%
Rank 23 of 78
Net Interest Margin
4.41%
Rank 12 of 78
Efficiency Ratio
72.73%
Rank 32 of 78
Equity / Assets
19.01%
Rank 16 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 0.37% | 0.83% | 1.31% | Beats 71% | 23 / 78 | |
| Return on Equity | 6.68% | 1.73% | 5.71% | 9.08% | Beats 55% | 35 / 78 | |
| Net Interest Margin | 4.41% | 3.17% | 3.63% | 4.21% | Beats 85% | 12 / 78 | |
| Efficiency Ratio | 72.73% | 65.01% | 78.15% | 89.28% | Beats 60% | 32 / 78 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.83% | 0.40% | 0.84% | 1.97% | Beats 29% | 56 / 78 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.01% | 12.42% | 15.10% | 18.27% | Beats 79% | 16 / 78 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.01% | 12.42% | 15.10% | 18.27% | Beats 79% | 16 / 78 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.75% | 34.83% | 50.41% | 71.84% | 49th pctl | 40 / 78 | |
| Loans / Assets | 38.56% | 29.34% | 41.02% | 56.96% | 41st pctl | 46 / 78 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||