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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.59% | 1.06% | 1.40% | Beats 68% | 23 / 72 | | |
| Return on Equity | 10.00% | 5.27% | 7.11% | 9.91% | Beats 76% | 17 / 72 | | |
| Net Interest Margin | 3.68% | 3.09% | 3.57% | 4.10% | Beats 58% | 30 / 72 | | |
| Efficiency Ratio | 68.05% | 64.37% | 73.67% | 81.63% | Beats 64% | 27 / 72 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.88% | 0.20% | 0.58% | 1.09% | Beats 14% | 63 / 72 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.88% | 10.74% | 12.96% | 16.84% | Beats 49% | 37 / 72 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.88% | 10.74% | 12.96% | 16.84% | Beats 49% | 37 / 72 | | |
| Liquidity & Funding |
| Loans / Deposits | 38.12% | 34.39% | 52.54% | 65.98% | 31st pctl | 50 / 72 | | |
| Loans / Assets | 32.95% | 30.23% | 45.37% | 57.67% | 33rd pctl | 48 / 72 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |