PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alcose

White Oak, PA · Charter 61926

NCUA · 2 branches

Q2 2026

$16.1MAssets
$4.5MLoans
$13.7MShares
$2.6MNet 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 0.66%, up 43 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.03% of loans (-61 bps YoY).
  • Capital: net worth / assets of 16.42%, up 62 bps from a year ago.
  • Funding: loans stand at 32.76% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.66%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+22 bps YoY

Efficiency Ratio (YTD, annualized)

86.86%-39 bps YoY

Net Worth / Assets

16.42%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.41%0.52%-0.33%0.66%+43 bps
Return on Equity1.45%2.54%3.20%-2.04%4.04%+258 bps
Net Interest Margin3.30%3.38%3.39%3.47%3.52%+22 bps
Efficiency Ratio87.25%86.37%85.45%108.00%86.86%-39 bps
Growth
Asset Growth (YoY)-5.55%-4.06%-1.45%-1.53%0.14%+569 bps
Loan Growth (YoY)-10.39%-7.03%-6.60%0.70%-0.21%+1,018 bps
Share Growth (YoY)-7.20%-5.44%-2.52%-2.36%-0.40%+680 bps
Asset Quality
Delinquent Loans / Loans0.65%0.60%0.59%0.60%0.03%-61 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 Capital15.80%16.17%16.21%16.10%16.42%+62 bps
Net Worth / Assets15.80%16.17%16.21%16.10%16.42%+62 bps
Liquidity & Funding
Loans / Shares32.70%33.28%33.06%32.92%32.76%+6 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps