PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Allegent Community

Pittsburgh, PA · Charter 205

NCUA · 8 branches

Q2 2026

$281.3MAssets
$188.8MLoans
$230.7MShares
$48.5MNet 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 0.10%, down 39 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 1.46% of loans (+39 bps YoY).
  • Capital: net worth / assets of 17.25%, up 81 bps from a year ago.
  • Funding: loans stand at 81.83% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.10%-39 bps YoY

Net Interest Margin (quarter, annualized)

3.47%+17 bps YoY

Efficiency Ratio (quarter, annualized)

93.50%+975 bps YoY

Net Worth / Assets

17.25%+81 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.52%0.49%0.14%0.10%-39 bps
Return on Equity2.96%3.03%2.84%0.81%0.59%-237 bps
Net Interest Margin3.30%3.46%3.50%3.45%3.47%+17 bps
Efficiency Ratio83.75%81.96%82.94%93.06%93.50%+975 bps
Growth
Asset Growth (YoY)4.56%3.28%-2.65%-4.25%-3.37%-793 bps
Loan Growth (YoY)2.38%1.55%-5.50%-2.59%1.31%-107 bps
Share Growth (YoY)3.96%2.75%-4.29%-5.73%-4.46%-841 bps
Asset Quality
Delinquent Loans / Loans1.08%0.93%0.76%0.73%1.46%+39 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 Capital16.44%17.12%17.23%17.18%17.25%+81 bps
Net Worth / Assets16.44%17.12%17.23%17.18%17.25%+81 bps
Liquidity & Funding
Loans / Shares77.17%79.18%78.95%79.54%81.83%+466 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps