Pittsburgh, PA · Charter 9479
NCUA · 2 branches
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
71
Asset Quality
86
Profitability
82
Liquidity
1
Efficiency
88
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.
Pittsburgh, PA · Charter 9479
NCUA · 2 branches
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 | 1.75% | 2.07% | 2.18% | 2.06% | 2.05% | 2.13% | 1.21% | 1.95% | -12 bps | |
| Return on Equity | 11.68% | 13.38% | 13.92% | 12.68% | 12.11% | 12.25% | 7.05% | 11.03% | -165 bps | |
| Net Interest Margin | 4.10% | 4.20% | 4.21% | 4.31% | 4.28% | 4.41% | 3.68% | 3.88% | -43 bps | |
| Efficiency Ratio | 66.22% | 62.29% | 57.40% | 60.32% | 60.42% | 60.20% | 70.01% | 57.61% | -271 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.66% | 1.02% | 2.54% | 1.42% | 2.36% | 1.60% | 1.91% | 2.46% | +104 bps | |
| Loan Growth (YoY) | -6.34% | -9.37% | -3.20% | 6.23% | 2.13% | 2.96% | -6.62% | -14.98% | -2,120 bps | |
| Share Growth (YoY) | -4.06% | -0.98% | 0.65% | -0.99% | -0.27% | -0.66% | -0.12% | 0.98% | +197 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.18% | 0.08% | 0.32% | 0.25% | 0.07% | 0.06% | 0.15% | -17 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 | 14.95% | 15.50% | 15.62% | 16.28% | 16.92% | 17.38% | 17.17% | 17.63% | +136 bps | |
| Net Worth / Assets | 14.95% | 15.50% | 15.62% | 16.28% | 16.92% | 17.38% | 17.17% | 17.63% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.62% | 28.85% | 28.68% | 31.57% | 30.34% | 29.90% | 26.81% | 26.58% | -499 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pittsburgh, PA · Charter 9479 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 2 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.94% | 0.37% | 0.83% | 1.31% | Beats 94% | 5 / 78 | ||
| Return on Equity | 11.02% | 1.73% | 5.71% | 9.08% | Beats 87% | 10 / 78 | ||
| Net Interest Margin | 3.88% | 3.17% | 3.63% | 4.21% | Beats 65% | 27 / 78 | ||
| Efficiency Ratio | 57.64% | 65.01% | 78.15% | 89.28% | Beats 88% | 10 / 78 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.40% | 0.84% | 1.97% | Beats 86% | 12 / 78 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.63% | 12.42% | 15.10% | 18.27% | Beats 71% | 23 / 78 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.63% | 12.42% | 15.10% | 18.27% | Beats 71% | 23 / 78 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 26.58% | 34.83% | 50.41% | 71.84% | 10th pctl | 70 / 78 | ||
| Loans / Assets | 22.05% | 29.34% | 41.02% | 56.96% | 12th pctl | 69 / 78 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||