PackageTrendsPeer
Letter portraitLegal landscape

American Pride

Altoona, PA · Charter 60389

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

Trailing 9 quarters, through Q2 2026

Capital

47

Q2 2024Q2 2026Peer median (50)

Asset Quality

12

Q2 2024Q2 2026Peer median (50)

Profitability

82

Q2 2024Q2 2026Peer median (50)

Liquidity

18

Q2 2024Q2 2026Peer median (100)

Efficiency

71

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

American Pride

Altoona, PA · Charter 60389

NCUA · 1 branch

Q2 2026

$22.5MAssets
$6.4MLoans
$19.5MShares
$2.9MNet 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 1.53%, up 22 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 1.92% of loans (+114 bps YoY).
  • Capital: net worth / assets of 12.81%, up 171 bps from a year ago.
  • Funding: loans stand at 32.96% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%+22 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+52 bps YoY

Efficiency Ratio (YTD, annualized)

65.99%-80 bps YoY

Net Worth / Assets

12.81%+171 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.34%1.46%1.49%1.53%+22 bps
Return on Equity11.86%11.55%12.24%12.25%11.96%+11 bps
Net Interest Margin3.59%3.64%3.57%4.01%4.11%+52 bps
Efficiency Ratio66.79%66.38%63.41%66.07%65.99%-80 bps
Growth
Asset Growth (YoY)2.17%2.45%3.60%0.95%-2.15%-432 bps
Loan Growth (YoY)-3.08%-8.50%-9.39%-7.30%-11.33%-825 bps
Share Growth (YoY)1.16%1.15%2.53%-0.57%-4.17%-533 bps
Asset Quality
Delinquent Loans / Loans0.78%0.93%1.66%1.04%1.92%+114 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 Capital11.09%11.63%11.90%12.13%12.81%+171 bps
Net Worth / Assets11.09%11.63%11.90%12.13%12.81%+171 bps
Liquidity & Funding
Loans / Shares35.62%35.12%34.72%33.92%32.96%-266 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 2026-10-12

American Pride

Altoona, PA · Charter 60389 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 1 branch

Q2 2026

$22.5MAssets
$6.4MLoans
$19.5MShares
$2.9MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets in PA (rank 8 of 72).
  • Widest gap: nonperforming loans / loans trails 88% of credit unions under $1B in assets in PA (rank 64 of 72).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.53%

Rank 15 of 72

Net Interest Margin

4.12%

Rank 16 of 72

Efficiency Ratio

65.94%

Rank 22 of 72

Equity / Assets

12.81%

Rank 38 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.53%0.59%1.06%1.40%Beats 79%15 / 72
Return on Equity11.98%5.27%7.11%9.91%Beats 89%8 / 72
Net Interest Margin4.12%3.09%3.57%4.10%Beats 78%16 / 72
Efficiency Ratio65.94%64.37%73.67%81.63%Beats 71%22 / 72
Asset Quality
Nonperforming Loans / Loans1.91%0.20%0.58%1.09%Beats 12%64 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.81%10.74%12.96%16.84%Beats 47%38 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.81%10.74%12.96%16.84%Beats 47%38 / 72
Liquidity & Funding
Loans / Deposits32.96%34.39%52.54%65.98%19th pctl58 / 72
Loans / Assets28.51%30.23%45.37%57.67%21st pctl57 / 72
Brokered Deposits / Depositsn/aNot reported for this institution