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Allegheny Ludlum Brackenridge

Brackenridge, PA · Charter 4095

NCUA · 1 branch

Q2 2026

$23.6MAssets
$8.7MLoans
$18.3MShares
$5.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.30%, down 50 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 22.30%, up 178 bps from a year ago.
  • Funding: loans stand at 47.40% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.30%-50 bps YoY

Net Interest Margin (quarter, annualized)

3.63%-19 bps YoY

Efficiency Ratio (quarter, annualized)

65.96%+1,084 bps YoY

Net Worth / Assets

22.30%+178 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.33%1.81%1.80%1.68%1.38%1.15%1.30%-50 bps
Return on Equity6.68%6.34%8.91%8.75%7.76%6.41%5.27%5.82%-293 bps
Net Interest Margin3.54%3.62%3.70%3.82%3.91%3.84%3.62%3.63%-19 bps
Efficiency Ratio61.95%61.89%53.22%55.12%55.65%59.77%69.57%65.96%+1,084 bps
Growth
Asset Growth (YoY)-5.14%-5.06%2.15%4.71%3.37%4.15%-1.22%-3.17%-788 bps
Loan Growth (YoY)22.06%13.59%8.51%5.92%3.05%2.43%0.42%-5.78%-1,170 bps
Share Growth (YoY)-5.96%-3.63%0.82%3.84%2.24%3.39%-3.05%-5.36%-920 bps
Asset Quality
Delinquent Loans / Loans0.38%0.31%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.73%21.05%20.33%20.52%21.59%21.60%21.78%22.30%+178 bps
Net Worth / Assets20.73%21.05%20.33%20.52%21.59%21.60%21.78%22.30%+178 bps
Liquidity & Funding
Loans / Shares51.01%50.58%46.86%47.61%51.42%50.11%48.54%47.40%-21 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps