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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.35% | 0.84% | 1.37% | Beats 40% | 36 / 60 | |
| Return on Equity | 4.42% | 2.76% | 6.36% | 10.04% | Beats 35% | 39 / 60 | |
| Net Interest Margin | 2.80% | 3.02% | 3.63% | 4.05% | Beats 13% | 52 / 60 | |
| Efficiency Ratio | 73.85% | 67.68% | 77.48% | 89.33% | Beats 58% | 26 / 60 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.32% | 0.64% | 1.44% | Beats 52% | 30 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.44% | 10.72% | 13.16% | 17.68% | Beats 68% | 19 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.44% | 10.72% | 13.16% | 17.68% | Beats 68% | 19 / 60 | |
| Liquidity & Funding |
| Loans / Deposits | 22.60% | 43.79% | 55.03% | 72.55% | 5th pctl | 57 / 60 | |
| Loans / Assets | 19.11% | 36.50% | 47.22% | 58.67% | 7th pctl | 56 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |