Altoona, PA · Charter 60389
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 1.34% | 1.46% | 1.49% | 1.53% | +22 bps | |
| Return on Equity | 11.86% | 11.55% | 12.24% | 12.25% | 11.96% | +11 bps | |
| Net Interest Margin | 3.59% | 3.64% | 3.57% | 4.01% | 4.11% | +52 bps | |
| Efficiency Ratio | 66.79% | 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 / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.09% | 11.63% | 11.90% | 12.13% | 12.81% | +171 bps | |
| Net Worth / Assets | 11.09% | 11.63% | 11.90% | 12.13% | 12.81% | +171 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |