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VA Pittsburgh Employees

Pittsburgh, PA · Charter 9479

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Pittsburgh, PA area3

Basis

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.

Peer group

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.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

88

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

VA Pittsburgh Employees

Pittsburgh, PA · Charter 9479

NCUA · 2 branches

Q2 2026

$26.8MAssets
$5.9MLoans
$22.2MShares
$4.7MNet 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 1.95%, down 12 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.15% of loans (-17 bps YoY).
  • Capital: net worth / assets of 17.63%, up 136 bps from a year ago.
  • Funding: loans stand at 26.58% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.95%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.88%-43 bps YoY

Efficiency Ratio (YTD, annualized)

57.61%-271 bps YoY

Net Worth / Assets

17.63%+136 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.06%2.05%2.13%1.21%1.95%-12 bps
Return on Equity12.68%12.11%12.25%7.05%11.03%-165 bps
Net Interest Margin4.31%4.28%4.41%3.68%3.88%-43 bps
Efficiency Ratio60.32%60.42%60.20%70.01%57.61%-271 bps
Growth
Asset Growth (YoY)1.42%2.36%1.60%1.91%2.46%+104 bps
Loan Growth (YoY)6.23%2.13%2.96%-6.62%-14.98%-2,120 bps
Share Growth (YoY)-0.99%-0.27%-0.66%-0.12%0.98%+197 bps
Asset Quality
Delinquent Loans / Loans0.32%0.25%0.07%0.06%0.15%-17 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 Capital16.28%16.92%17.38%17.17%17.63%+136 bps
Net Worth / Assets16.28%16.92%17.38%17.17%17.63%+136 bps
Liquidity & Funding
Loans / Shares31.57%30.34%29.90%26.81%26.58%-499 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

VA Pittsburgh Employees

Pittsburgh, PA · Charter 9479 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)

NCUA · 2 branches

Q2 2026

$26.8MAssets
$5.9MLoans
$22.2MShares
$4.7MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 94% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 5 of 78).
  • Widest gap: net interest margin trails 35% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 27 of 78).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.94%

Rank 5 of 78

Net Interest Margin

3.88%

Rank 27 of 78

Efficiency Ratio

57.64%

Rank 10 of 78

Equity / Assets

17.63%

Rank 23 of 78

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.94%0.37%0.83%1.31%Beats 94%5 / 78
Return on Equity11.02%1.73%5.71%9.08%Beats 87%10 / 78
Net Interest Margin3.88%3.17%3.63%4.21%Beats 65%27 / 78
Efficiency Ratio57.64%65.01%78.15%89.28%Beats 88%10 / 78
Asset Quality
Nonperforming Loans / Loans0.15%0.40%0.84%1.97%Beats 86%12 / 78
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.63%12.42%15.10%18.27%Beats 71%23 / 78
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.63%12.42%15.10%18.27%Beats 71%23 / 78
Liquidity & Funding
Loans / Deposits26.58%34.83%50.41%71.84%10th pctl70 / 78
Loans / Assets22.05%29.34%41.02%56.96%12th pctl69 / 78
Brokered Deposits / Depositsn/aNot reported for this institution