Altoona, PA · Charter 23753
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.87% | 1.15% | 1.09% | 1.04% | 0.97% | 1.14% | 1.32% | +23 bps | |
| Return on Equity | 8.35% | 8.51% | 11.21% | 10.18% | 9.56% | 9.03% | 10.64% | 11.46% | +128 bps | |
| Net Interest Margin | 2.55% | 2.56% | 2.57% | 2.76% | 2.77% | 2.72% | 2.87% | 3.25% | +49 bps | |
| Efficiency Ratio | 74.26% | 73.63% | 71.74% | 69.83% | 71.12% | 72.41% | 67.65% | 66.94% | -289 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.46% | 3.91% | 4.77% | 1.49% | 3.07% | 5.56% | 4.54% | 2.71% | +122 bps | |
| Loan Growth (YoY) | 3.05% | -2.47% | -7.37% | -12.64% | -14.43% | -14.47% | -3.54% | 6.29% | +1,893 bps | |
| Share Growth (YoY) | 4.04% | 3.33% | 4.15% | 0.55% | 2.26% | 4.98% | 3.92% | 1.72% | +117 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% | 0 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.16% | 10.28% | 10.23% | 10.68% | 10.88% | 10.70% | 10.74% | 11.50% | +83 bps | |
| Net Worth / Assets | 10.16% | 10.28% | 10.23% | 10.68% | 10.88% | 10.70% | 10.74% | 11.50% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.95% | 34.27% | 31.23% | 30.95% | 30.08% | 27.92% | 28.99% | 32.34% | +139 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |