PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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