PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alleg-Kiski Postal

New Kensington, PA · Charter 8825

NCUA · 1 branch

Q2 2026

$19.5MAssets
$7.5MLoans
$15.8MShares
$3.7MNet 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 1.27%, up 5 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 1.84% of loans (+6 bps YoY).
  • Capital: net worth / assets of 19.01%, up 59 bps from a year ago.
  • Funding: loans stand at 47.75% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.27%+5 bps YoY

Net Interest Margin (quarter, annualized)

4.41%-19 bps YoY

Efficiency Ratio (quarter, annualized)

72.50%+184 bps YoY

Net Worth / Assets

19.01%+59 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%0.93%0.93%1.58%1.27%+5 bps
Return on Equity6.66%5.02%5.00%8.47%6.70%+3 bps
Net Interest Margin4.60%4.61%4.55%4.79%4.41%-19 bps
Efficiency Ratio70.66%68.22%67.56%68.35%72.50%+184 bps
Growth
Asset Growth (YoY)-2.20%-2.19%2.64%2.38%1.99%+419 bps
Loan Growth (YoY)1.29%4.13%1.48%-0.27%-12.21%-1,350 bps
Share Growth (YoY)-4.45%-4.01%2.05%1.68%1.27%+573 bps
Asset Quality
Delinquent Loans / Loans1.78%2.35%2.52%2.09%1.84%+6 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 Capital18.42%18.52%18.66%18.69%19.01%+59 bps
Net Worth / Assets18.42%18.52%18.66%18.69%19.01%+59 bps
Liquidity & Funding
Loans / Shares55.08%56.97%53.40%49.93%47.75%-733 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps