Warren, PA · Charter 9776
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
25
Profitability
49
Liquidity
0
Efficiency
62
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.
Warren, PA · Charter 9776
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 | 0.72% | 0.73% | 0.76% | 0.89% | 0.93% | 0.49% | 0.81% | 0.91% | +3 bps | |
| Return on Equity | 4.98% | 4.87% | 5.18% | 5.85% | 5.94% | 3.26% | 5.37% | 5.81% | -4 bps | |
| Net Interest Margin | 2.99% | 3.17% | 3.24% | 3.35% | 3.44% | 3.40% | 3.35% | 3.57% | +22 bps | |
| Efficiency Ratio | 78.68% | 79.52% | 78.57% | 75.90% | 75.18% | 86.86% | 77.69% | 74.22% | -168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | -2.62% | -0.42% | -4.94% | -2.53% | 2.00% | 1.00% | -0.49% | +446 bps | |
| Loan Growth (YoY) | -5.41% | -5.93% | -6.60% | -6.77% | -8.46% | -12.16% | -9.33% | -10.43% | -366 bps | |
| Share Growth (YoY) | -3.89% | -2.90% | -1.50% | -6.74% | -3.96% | 1.62% | 0.47% | -1.24% | +550 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.82% | 0.43% | 0.17% | 0.55% | 1.17% | 0.45% | 1.28% | +111 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 | 14.36% | 14.91% | 14.77% | 15.19% | 15.59% | 15.08% | 15.09% | 15.74% | +55 bps | |
| Net Worth / Assets | 14.36% | 14.91% | 14.77% | 15.19% | 15.59% | 15.08% | 15.09% | 15.74% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.02% | 21.79% | 20.05% | 20.29% | 20.03% | 18.84% | 18.10% | 18.40% | -189 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Warren, PA · Charter 9776 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.92%
Rank 662 of 1,683
Net Interest Margin
3.57%
Rank 1,062 of 1,683
Efficiency Ratio
74.20%
Rank 645 of 1,682
Equity / Assets
15.74%
Rank 474 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.92% | 0.35% | 0.74% | 1.18% | Beats 61% | 662 / 1,683 | ||
| Return on Equity | 5.82% | 2.67% | 5.89% | 8.74% | Beats 49% | 852 / 1,681 | ||
| Net Interest Margin | 3.57% | 3.31% | 3.82% | 4.32% | Beats 37% | 1,062 / 1,683 | ||
| Efficiency Ratio | 74.20% | 68.91% | 78.20% | 86.93% | Beats 62% | 645 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.27% | 0.26% | 0.65% | 1.29% | Beats 25% | 1,258 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.74% | 10.44% | 12.89% | 16.53% | Beats 72% | 474 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.74% | 10.44% | 12.89% | 16.53% | Beats 72% | 474 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 18.40% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,655 / 1,683 | ||
| Loans / Assets | 15.55% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,653 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||