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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.32% | 0.59% | 1.06% | 1.40% | Beats 69% | 22 / 72 | |
| Return on Equity | 11.47% | 5.27% | 7.11% | 9.91% | Beats 86% | 10 / 72 | |
| Net Interest Margin | 3.24% | 3.09% | 3.57% | 4.10% | Beats 28% | 52 / 72 | |
| Efficiency Ratio | 67.11% | 64.37% | 73.67% | 81.63% | Beats 67% | 25 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.58% | 1.09% | Beats 100% | 7 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.50% | 10.74% | 12.96% | 16.84% | Beats 31% | 50 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.50% | 10.74% | 12.96% | 16.84% | Beats 31% | 50 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 32.33% | 34.39% | 52.54% | 65.98% | 17th pctl | 60 / 72 | |
| Loans / Assets | 28.59% | 30.23% | 45.37% | 57.67% | 22nd pctl | 56 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |