PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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