Altoona, PA · Charter 60389
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
47
Asset Quality
12
Profitability
82
Liquidity
18
Efficiency
71
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Altoona, PA · Charter 60389
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 | 1.44% | 1.44% | 1.27% | 1.32% | 1.34% | 1.46% | 1.49% | 1.53% | +22 bps | |
| Return on Equity | 13.97% | 13.24% | 11.81% | 11.86% | 11.55% | 12.24% | 12.25% | 11.96% | +11 bps | |
| Net Interest Margin | 3.54% | 3.59% | 3.58% | 3.59% | 3.64% | 3.57% | 4.01% | 4.11% | +52 bps | |
| Efficiency Ratio | 64.33% | 65.12% | 67.35% | 66.79% | 66.38% | 63.41% | 66.07% | 65.99% | -80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.88% | -1.88% | 0.20% | 2.17% | 2.45% | 3.60% | 0.95% | -2.15% | -432 bps | |
| Loan Growth (YoY) | 2.74% | 0.75% | -0.54% | -3.08% | -8.50% | -9.39% | -7.30% | -11.33% | -825 bps | |
| Share Growth (YoY) | -0.44% | -3.43% | -0.97% | 1.16% | 1.15% | 2.53% | -0.57% | -4.17% | -533 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.80% | 1.30% | 0.78% | 0.93% | 1.66% | 1.04% | 1.92% | +114 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 | 10.34% | 10.88% | 10.79% | 11.09% | 11.63% | 11.90% | 12.13% | 12.81% | +171 bps | |
| Net Worth / Assets | 10.34% | 10.88% | 10.79% | 11.09% | 11.63% | 11.90% | 12.13% | 12.81% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.82% | 39.29% | 36.38% | 35.62% | 35.12% | 34.72% | 33.92% | 32.96% | -266 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Altoona, PA · Charter 60389 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.53% | 0.59% | 1.06% | 1.40% | Beats 79% | 15 / 72 | ||
| Return on Equity | 11.98% | 5.27% | 7.11% | 9.91% | Beats 89% | 8 / 72 | ||
| Net Interest Margin | 4.12% | 3.09% | 3.57% | 4.10% | Beats 78% | 16 / 72 | ||
| Efficiency Ratio | 65.94% | 64.37% | 73.67% | 81.63% | Beats 71% | 22 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.91% | 0.20% | 0.58% | 1.09% | Beats 12% | 64 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.81% | 10.74% | 12.96% | 16.84% | Beats 47% | 38 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.81% | 10.74% | 12.96% | 16.84% | Beats 47% | 38 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.96% | 34.39% | 52.54% | 65.98% | 19th pctl | 58 / 72 | ||
| Loans / Assets | 28.51% | 30.23% | 45.37% | 57.67% | 21st pctl | 57 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||