S. T. P. Employees
Altoona, PA · Charter 22522 · Peer group: credit unions under $1B in assets in PA (n=74)
NCUA · 1 branch
Q3 2025
$887KAssets
$541KLoans
$654KShares
$230KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 96% of credit unions under $1B in assets in PA (rank 3 of 74).
- Widest gap: efficiency ratio trails 96% of credit unions under $1B in assets in PA (rank 72 of 74).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |