PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Armco

Butler, PA · Charter 65291

NCUA · 5 branches

Q2 2026

$719.5MAssets
$513.6MLoans
$622.4MShares
$98.3MNet 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 0.96%, up 23 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.55% of loans (+18 bps YoY).
  • Capital: net worth / assets of 13.66%, up 68 bps from a year ago.
  • Funding: loans stand at 82.53% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.96%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.01%+44 bps YoY

Efficiency Ratio (quarter, annualized)

72.37%-162 bps YoY

Net Worth / Assets

13.66%+68 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.87%0.88%0.72%0.96%+23 bps
Return on Equity5.62%6.88%6.60%5.35%7.03%+141 bps
Net Interest Margin2.57%2.64%2.70%2.88%3.01%+44 bps
Efficiency Ratio74.00%72.06%73.04%76.87%72.37%-162 bps
Growth
Asset Growth (YoY)19.59%17.98%15.05%10.30%4.04%-1,555 bps
Loan Growth (YoY)5.97%6.97%10.83%12.14%11.34%+537 bps
Share Growth (YoY)20.82%18.66%15.81%10.22%3.44%-1,738 bps
Asset Quality
Delinquent Loans / Loans0.37%0.46%0.54%0.47%0.55%+18 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 Capital12.97%12.70%13.35%13.39%13.66%+68 bps
Net Worth / Assets12.97%12.70%13.35%13.39%13.66%+68 bps
Liquidity & Funding
Loans / Shares76.67%75.82%75.96%80.09%82.53%+585 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps