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Armstrong Co. Federal Emp.

Kittanning, PA · Charter 19745

NCUA · 3 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 the Buffalo-Cheektowaga, NY area3

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 the Buffalo-Cheektowaga, NY area (n=60). 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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

58

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

Armstrong Co. Federal Emp.

Kittanning, PA · Charter 19745

NCUA · 3 branches

Q2 2026

$17.6MAssets
$3.4MLoans
$14.9MShares
$2.7MNet 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 0.68%, down 53 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.64% of loans (-6 bps YoY).
  • Capital: net worth / assets of 15.45%, up 95 bps from a year ago.
  • Funding: loans stand at 22.60% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%-53 bps YoY

Net Interest Margin (YTD, annualized)

2.79%-12 bps YoY

Efficiency Ratio (YTD, annualized)

74.02%+759 bps YoY

Net Worth / Assets

15.45%+95 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.04%1.11%0.58%0.68%-53 bps
Return on Equity8.37%6.92%7.22%3.83%4.40%-397 bps
Net Interest Margin2.91%3.03%3.02%2.80%2.79%-12 bps
Efficiency Ratio66.43%66.87%66.60%80.30%74.02%+759 bps
Growth
Asset Growth (YoY)0.53%0.97%0.09%1.76%-0.93%-146 bps
Loan Growth (YoY)23.43%27.05%16.70%2.58%-2.39%-2,582 bps
Share Growth (YoY)-0.53%-0.14%-1.20%1.01%-2.04%-151 bps
Asset Quality
Delinquent Loans / Loans0.70%0.68%0.88%0.22%0.64%-6 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 Capital14.50%14.98%15.37%15.18%15.45%+95 bps
Net Worth / Assets14.50%14.98%15.37%15.18%15.45%+95 bps
Liquidity & Funding
Loans / Shares22.68%24.42%24.31%22.89%22.60%-8 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

Armstrong Co. Federal Emp.

Kittanning, PA · Charter 19745 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)

NCUA · 3 branches

Q2 2026

$17.6MAssets
$3.4MLoans
$14.9MShares
$2.7MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 68% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 19 of 60).
  • Widest gap: net interest margin trails 87% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 52 of 60).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.68%

Rank 36 of 60

Net Interest Margin

2.80%

Rank 52 of 60

Efficiency Ratio

73.85%

Rank 26 of 60

Equity / Assets

15.44%

Rank 19 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.35%0.84%1.37%Beats 40%36 / 60
Return on Equity4.42%2.76%6.36%10.04%Beats 35%39 / 60
Net Interest Margin2.80%3.02%3.63%4.05%Beats 13%52 / 60
Efficiency Ratio73.85%67.68%77.48%89.33%Beats 58%26 / 60
Asset Quality
Nonperforming Loans / Loans0.63%0.32%0.64%1.44%Beats 52%30 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.44%10.72%13.16%17.68%Beats 68%19 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.44%10.72%13.16%17.68%Beats 68%19 / 60
Liquidity & Funding
Loans / Deposits22.60%43.79%55.03%72.55%5th pctl57 / 60
Loans / Assets19.11%36.50%47.22%58.67%7th pctl56 / 60
Brokered Deposits / Depositsn/aNot reported for this institution