Smmh Federal Credit Union
Pittsburgh, PA·Charter 17371·cu:17371·Credit union RBC / net worth
Performance over time
6 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Smmh Federal Credit Union
3 of 18 FORFI signals stand out against 2507 similar credit unions, based on NCUA data for the quarter.
Efficiency ratio falling while the peer median risesStrength: Efficiency74.6%peers 81.5%-6.9 pp
Smmh Federal Credit Union's efficiency ratio fell 39.5 percentage points over the past year to 74.6%. Among 2489 similar credit unions, the median rose 1.4 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 74.6% | 81.5% | -6.9 pp |
| 12-month change | ||
| -39.5 pp | +1.4 pp | -40.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Smmh Federal Credit Union itself is left out of every peer median and percentile. How signals work
Return on assets rising while the peer median fallsStrength: Earnings0.86%peers 0.62%+24 bps
Smmh Federal Credit Union's annualized return on assets rose 153 bps over the past year to 0.86%. Among 2496 similar credit unions, the median fell 7 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 0.86% | 0.62% | +24 bps |
| 12-month change | ||
| +153 bps | -7 bps | +160 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Smmh Federal Credit Union itself is left out of every peer median and percentile. How signals work
Share and deposit costs among the lowest of similar credit unionsStrength: Funding0.07%peers 0.90%-82 bps
Smmh Federal Credit Union's cost of all shares and deposits was 0.07%, compared with a median of 0.90% among 2505 similar credit unions: lower than 93% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 0.07% | 0.90% | -82 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Smmh Federal Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- Smmh Federal Credit Union is a federally chartered credit union headquartered in Pittsburgh, Pennsylvania. It reported $3.3 million in total assets for the quarter ended March 31, 2026.
- Shares and deposits totaled $2.5 million, down 4.6% from a year earlier, and loans totaled $838,599, down 18.2%.
- Its net interest margin on average assets was 4.05% and its annualized return on assets was 0.86% for the quarter.
- Its cost of all shares and deposits was 0.07%, compared with a median of 0.90% among 2505 similar credit unions with under $100 million in assets.
- It served 743 members, down 6.7% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Smmh Federal Credit Union's own data, FORFI would look at: Where revenue per relationship falls short of the cost to serve it.
Analysis workspaces
Sources and identifiers
- Institution
- Smmh Federal Credit Union · Credit union
- NCUA charter
- 17371
- Reporting period
- Peer group
- 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Smmh Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-01-01 through 2026-03-31 · Annualization factor 4.055556 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $6.77K | |
| $32.49K | |
| $450 | |
| $32.04K | |
| $1.48K | |
| $24.99K | |
| $1.75K | |
| — | |
| 0.86% | |
| 4.05% | |
| 74.56% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-14T14:00:24.523718+00:00. Separate reference provenance is included in the export.