PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

1.32%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.25%+49 bps YoY

Efficiency Ratio (quarter, annualized)

66.94%-289 bps YoY

Net Worth / Assets

11.50%+83 bps YoY

Discrete quarter, annualized.

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