PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American Pride

Altoona, PA · Charter 60389

NCUA · 1 branch

Q2 2026

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

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.

Return on Assets (quarter, annualized)

1.53%+22 bps YoY

Net Interest Margin (quarter, annualized)

4.11%+52 bps YoY

Efficiency Ratio (quarter, annualized)

65.99%-80 bps YoY

Net Worth / Assets

12.81%+171 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.44%1.27%1.32%1.34%1.46%1.49%1.53%+22 bps
Return on Equity13.97%13.24%11.81%11.86%11.55%12.24%12.25%11.96%+11 bps
Net Interest Margin3.54%3.59%3.58%3.59%3.64%3.57%4.01%4.11%+52 bps
Efficiency Ratio64.33%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 / Loans0.82%0.80%1.30%0.78%0.93%1.66%1.04%1.92%+114 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 Capital10.34%10.88%10.79%11.09%11.63%11.90%12.13%12.81%+171 bps
Net Worth / Assets10.34%10.88%10.79%11.09%11.63%11.90%12.13%12.81%+171 bps
Liquidity & Funding
Loans / Shares38.82%39.29%36.38%35.62%35.12%34.72%33.92%32.96%-266 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps