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Americo

Erie, PA · Charter 12752

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 PA3

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 PA (n=72). 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

49

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

64

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

Americo

Erie, PA · Charter 12752

NCUA · 2 branches

Q2 2026

$90.2MAssets
$29.7MLoans
$78.0MShares
$11.6MNet 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 1.29%, up 33 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 1.88% of loans (+119 bps YoY).
  • Capital: net worth / assets of 12.88%, up 117 bps from a year ago.
  • Funding: loans stand at 38.12% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+57 bps YoY

Efficiency Ratio (YTD, annualized)

68.04%-683 bps YoY

Net Worth / Assets

12.88%+117 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.07%1.11%1.15%1.29%+33 bps
Return on Equity8.15%8.77%8.86%9.28%10.00%+185 bps
Net Interest Margin3.10%3.28%3.35%3.52%3.68%+57 bps
Efficiency Ratio74.87%72.46%71.62%69.36%68.04%-683 bps
Growth
Asset Growth (YoY)0.08%0.10%-2.04%0.90%0.42%+34 bps
Loan Growth (YoY)-5.00%-5.02%-2.92%-0.32%0.79%+579 bps
Share Growth (YoY)-0.59%-1.02%-3.51%-0.42%-1.27%-67 bps
Asset Quality
Delinquent Loans / Loans0.69%0.62%0.84%1.68%1.88%+119 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 Capital11.70%12.25%12.50%12.39%12.88%+117 bps
Net Worth / Assets11.70%12.25%12.50%12.39%12.88%+117 bps
Liquidity & Funding
Loans / Shares37.34%38.45%38.31%37.02%38.12%+78 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

Americo

Erie, PA · Charter 12752 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 2 branches

Q2 2026

$90.2MAssets
$29.7MLoans
$78.0MShares
$11.6MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 76% of credit unions under $1B in assets in PA (rank 17 of 72).
  • Widest gap: nonperforming loans / loans trails 86% of credit unions under $1B in assets in PA (rank 63 of 72).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.29%

Rank 23 of 72

Net Interest Margin

3.68%

Rank 30 of 72

Efficiency Ratio

68.05%

Rank 27 of 72

Equity / Assets

12.88%

Rank 37 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.59%1.06%1.40%Beats 68%23 / 72
Return on Equity10.00%5.27%7.11%9.91%Beats 76%17 / 72
Net Interest Margin3.68%3.09%3.57%4.10%Beats 58%30 / 72
Efficiency Ratio68.05%64.37%73.67%81.63%Beats 64%27 / 72
Asset Quality
Nonperforming Loans / Loans1.88%0.20%0.58%1.09%Beats 14%63 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.88%10.74%12.96%16.84%Beats 49%37 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.88%10.74%12.96%16.84%Beats 49%37 / 72
Liquidity & Funding
Loans / Deposits38.12%34.39%52.54%65.98%31st pctl50 / 72
Loans / Assets32.95%30.23%45.37%57.67%33rd pctl48 / 72
Brokered Deposits / Depositsn/aNot reported for this institution