Altoona, PA · Charter 22522
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in PA (n=74). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
96
Asset Quality
45
Profitability
12
Liquidity
0
Efficiency
4
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.
Altoona, PA · Charter 22522
NCUA · 1 branch
Q3 2025
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.80% | 0.74% | 0.71% | 0.56% | 0.15% | 0.09% | 0.13% | -58 bps | |
| Return on Equity | 3.61% | 3.52% | 3.21% | 2.94% | 2.36% | 0.59% | 0.36% | 0.51% | -244 bps | |
| Net Interest Margin | 3.51% | 3.67% | 3.55% | 3.65% | 3.42% | 3.10% | 3.01% | 3.25% | -40 bps | |
| Efficiency Ratio | 75.48% | 73.08% | 76.62% | 76.88% | 79.50% | 95.37% | 97.08% | 96.02% | +1,914 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.32% | -18.06% | -18.14% | -15.64% | -6.44% | -6.59% | -6.02% | -6.38% | +926 bps | |
| Loan Growth (YoY) | -13.24% | -8.44% | -10.15% | -21.31% | -25.60% | -30.77% | -32.12% | -25.95% | -464 bps | |
| Share Growth (YoY) | -13.52% | -22.87% | -23.06% | -20.52% | -8.89% | -9.05% | -8.28% | -8.54% | +1,198 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.94% | 0.97% | 0.98% | 0.85% | 0.82% | 0.62% | -35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 0.81% | 0.93% | 1.10% | 1.31% | 1.42% | 1.55% | 1.57% | +48 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.47% | 22.80% | 23.05% | 24.18% | 23.51% | 24.81% | 24.76% | 25.97% | +179 bps | |
| Net Worth / Assets | 21.47% | 22.80% | 23.05% | 24.18% | 23.51% | 24.81% | 24.76% | 25.97% | +179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.86% | 113.35% | 106.80% | 102.11% | 87.25% | 86.28% | 79.04% | 82.68% | -1,943 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Altoona, PA · Charter 22522 · Peer group: credit unions under $1B in assets in PA (n=74)
NCUA · 1 branch
Q3 2025
Return on Assets
0.15%
Rank 71 of 74
Net Interest Margin
3.16%
Rank 54 of 74
Efficiency Ratio
100.00%
Rank 72 of 74
Equity / Assets
25.93%
Rank 4 of 74
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.15% | 0.56% | 0.95% | 1.37% | Beats 4% | 71 / 74 | ||
| Return on Equity | 0.58% | 4.95% | 7.54% | 11.08% | Beats 5% | 70 / 74 | ||
| Net Interest Margin | 3.16% | 3.09% | 3.56% | 4.07% | Beats 27% | 54 / 74 | ||
| Efficiency Ratio | 100.00% | 63.64% | 74.44% | 81.74% | Beats 4% | 72 / 74 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.23% | 0.48% | 1.03% | Beats 45% | 42 / 74 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.97% | 10.73% | 12.82% | 16.25% | Beats 96% | 3 / 74 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 25.93% | 10.73% | 12.82% | 16.25% | Beats 95% | 4 / 74 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.68% | 37.59% | 52.78% | 69.53% | 93rd pctl | 5 / 74 | ||
| Loans / Assets | 60.99% | 32.04% | 46.14% | 59.43% | 76th pctl | 18 / 74 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||