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 | |