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Altoona Area Employees

Altoona, PA · Charter 23753

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in PA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in PA (n=72). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

31

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

67

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Altoona Area Employees

Altoona, PA · Charter 23753

NCUA · 1 branch

Q2 2026

$19.4MAssets
$5.5MLoans
$17.2MShares
$2.2MNet 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 1.32%, up 23 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.50%, up 83 bps from a year ago.
  • Funding: loans stand at 32.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+49 bps YoY

Efficiency Ratio (YTD, annualized)

66.94%-289 bps YoY

Net Worth / Assets

11.50%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.04%0.97%1.14%1.32%+23 bps
Return on Equity10.18%9.56%9.03%10.64%11.46%+128 bps
Net Interest Margin2.76%2.77%2.72%2.87%3.25%+49 bps
Efficiency Ratio69.83%71.12%72.41%67.65%66.94%-289 bps
Growth
Asset Growth (YoY)1.49%3.07%5.56%4.54%2.71%+122 bps
Loan Growth (YoY)-12.64%-14.43%-14.47%-3.54%6.29%+1,893 bps
Share Growth (YoY)0.55%2.26%4.98%3.92%1.72%+117 bps
Asset Quality
Delinquent Loans / Loans0.00%0.04%0.00%0.00%0.00%0 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 Capital10.68%10.88%10.70%10.74%11.50%+83 bps
Net Worth / Assets10.68%10.88%10.70%10.74%11.50%+83 bps
Liquidity & Funding
Loans / Shares30.95%30.08%27.92%28.99%32.34%+139 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Altoona Area Employees

Altoona, PA · Charter 23753 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 1 branch

Q2 2026

$19.4MAssets
$5.5MLoans
$17.2MShares
$2.2MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in PA (rank 7 of 72).
  • Widest gap: net interest margin trails 72% of credit unions under $1B in assets in PA (rank 52 of 72).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.32%

Rank 22 of 72

Net Interest Margin

3.24%

Rank 52 of 72

Efficiency Ratio

67.11%

Rank 25 of 72

Equity / Assets

11.50%

Rank 50 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.32%0.59%1.06%1.40%Beats 69%22 / 72
Return on Equity11.47%5.27%7.11%9.91%Beats 86%10 / 72
Net Interest Margin3.24%3.09%3.57%4.10%Beats 28%52 / 72
Efficiency Ratio67.11%64.37%73.67%81.63%Beats 67%25 / 72
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.58%1.09%Beats 100%7 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.50%10.74%12.96%16.84%Beats 31%50 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.50%10.74%12.96%16.84%Beats 31%50 / 72
Liquidity & Funding
Loans / Deposits32.33%34.39%52.54%65.98%17th pctl60 / 72
Loans / Assets28.59%30.23%45.37%57.67%22nd pctl56 / 72
Brokered Deposits / Depositsn/aNot reported for this institution